I hope not either and I didn't mean for you to take it that way because you have found a way to make it work despite not having the disposable income but my point was that if the OP's friend is already balking at the costs with ONE REC CLASS, then she really needs to look at her situation and see if this is a viable option...there is no long term funding for gym costs available in the US so it falls back on the family. I would think that this family had already thought of the "what can I do to get the money" scenarios before she brought it up to her friend.
I'm sorry but certain things ARE blocked by one's socioeconomic status, and that's not necessarily a bad thing...I don't see the point in having a family go into hock for a beginner gymnast...when she could , at age 5, be guided down a more affordable path for her family situation.
But in several states, there are YMCA gyms with high level programs... It depends on where the family is located. For Team level gymnastics at our YMCA (including YMCA Youth Membership, the new comp leo, warm ups, bag, gym time, meet fees, travel, etc) the most that a parent would pay for any one gymnast in a year is $3000. The figure I am stating is actually rounded up to the nearest 1000.
Quite frequently, people get a family membership, especially if they have 3 or more children. So for a family of 5, the family membership would average to $100 less per person per year. Some parents work with the rec program classes and another parent works at the Y itself. All of these positions come with a paycheck AND a free adult membership... which they can upgrade to a family membership for less than the cost of a youth membership. That makes the cost of a membership for a family of 5 $200 less than I calculated.
The YMCA offers scholarships based on financial need - does not affect college eligibility. The scholarship can be applied to the membership fees and the gym time.
My figure is also taking hotel stays for every away meet into account, but we only had 1 hotel stay so far this season - and it was technically unnecessary. We will have another one for Nationals, but that is not a required meet (so, forgoing Nationals, take $1000 off the amount).
The HC also allows parents to help with cleaning the gym to reduce costs some.
A YMCA program might be the answer for the OP, if there is a GOOD one nearby. IF not, then she needs to look hard to find a way or see if her daughter would be interested in something else.