As someone who started with 16mm, you're in good shape if you find a high def consumer grade video camera and learn how to edit on your computer. Unless you are set on the aesthetics of film, the headaches involved in processing (including costs) and transfer to video may not be beneficial to your development.
If you can get your hands on a used HD consumer camcorder, consider going that route.
It will take up less room in your closet. And you'll be able to crank out movies fast.
If you are super set on shooting Super 8mm, I was able to get my film processed at WalMart. I'm not sure if they still do it... But that was quick.
As for 16mm, you can usually cut a deal with the lab for a "camera test."