Another part of the cost of ministry is the cost of moving somewhere for 9 months to do an internship. This model is nice for the unattached 20-something but it doesn't work well for older ministers or those with families. I have had several applications from interns who proposed to leave small children with their working spouse for nine months in order to come to New Mexico and do their internship. The family finances required that. This is not a good situation at all.
Let's re-think that one-size-fits-all ministerial formation model. How about the possibility of 3-5 year supervised residencies, or allowing interns to take a job in the church they have interned in, or even intern in their home church? While there are reasons all of those are disallowed or frowned on, our frowns may just be too darned expensive in the current climate.