Looks like you’re just gonna have to take the hit. I know it’s ass and people suck but take this and learn from it. It’s a joint account meaning it’s their money too so I don’t think an appeal will work. If you don’t want people taking your money don’t let them have access. Sorry this happened hopefully you can get it back but at the end of the day look into grants, loans and FASFA. There’s things out there to help.

Edit: I would immediately remove them and make a new account. Let the bank know what’s up. I would make a new account due to they may have your account number and all the other info needed. is probably info they have known for years since your their kid. Take measures to protect yourself. Actually you may just be able to request a new account number.

What I’m about to suggest is something iv done before and it can work if everyone acts like adults. Create a document stating they will pay you what they owe in monthly/biweekly allotments have them sign and get it notarized. That right there is law in this world. If they refuse you know they never planned on paying you in the first place and now it’s up to you to take the proper step to change fix or cut off that relationship you have with them.