No, you should contact a professional for that. People die every year from trying to work on their own septic system. Sewer gases build up in the system, and they're basically odorless and don't take long to cause you to become unconscious.
Stretching for 20 minutes at one session should be safe. Ask your coach or trainer for advice. Start by practicing bending backwards over the back of a couch/sofa or a...
There is no "usual cost" of a septic tank because there are too many variables. The location, type and size would be some of the primary factors. You can usually...