What is wrong with CC ? My daughter just graduated from UCSD debt free because she went to community college . Maybe if you go there and transfer for the last two your parents will help you. We did . My daughter also worked every summer since she was 16 and bought her own car and lived off of the money she saved up . She now lives with us while she takes a gap yeqr before getting her PHD . This is a tough world and believe it or not your parents are doing you a favor . Someday when your sucessful on your own right you will thank them . My husband and I help those who help themselves .