this might be a the time to WALK AWAY FROM THE PARENT'S DEBT - this is the type of post that reminds me of Jesus saying that

Luke 14:25-27
"Many people were traveling with Jesus. He said to them, 26 “If you come to me but will not leave your family, you cannot be my follower. You must love me more than your father, mother, wife, children, brothers, and sisters—even more than your own life! "

I normally NEVER read the bible - just in this moment - it was all I could think of - this CANNOT be the right thing. IT IS YOUR CHOICE. I would say if you left your parent's their debt and begin to care for yourself - ALL will work out for the Highest Good of all concerned - but if you keep trying to manage things - it won't.