Yosef768:
You are using the wrong yardstick. You are looking to establish a fair tuition based on your income. Well, I got news for you. What you are suggesting is like measuring your floor dimensions with a scale. the establishment of tuition is based on the projected school budget. The faculty in the highly populated areas like NY tend to be underpaid, and the administration well compensated. The costs of buildings, rent, etc. in these locales is also quite high. The expected tuition is intended to offset the expenses.
I am no great admirer of yeshiva administrations. But if you expect them to offer you free or almost free schooling because of your financial straits, wake up and smell the coffee. In fact, the parents who lose their income mid-year due to job loss are apt to have trouble from the school. After all, your job loss is not their fault. Some yeshivos are quite rigid with disallowing students to enter the premises with outstanding tuition bills. This varies greatly, but I have personal knowledge of this being done. It is not a rare exception.
Having disparaged the school administrations, recognize that schooling costs, and that you, as the consumer, should be shouldering part of that cost. Sometimes, schools have asked for parents to contribute time to helping out, sort of bartering. They may not always be fair, but they have a right to expect something.