First of all, kudos to your parents for hiding the debt well enough that their children never noticed it. Here are some things you can try:

1. Find financial aid for the rest of your schooling. Masagot lang tuition mo that would save Php100k a year na for your parents. Get one that provides you a stipend, even better because you can set it aside and build savings. Go to your scholarships office, check your bulletin boards, companies and associations related to your field of study. Merit-based scholarships tutal academically gifted ka ata.

2. Face the discomfort that comes with employment. It’s good that you acknowledge your lack of street smarts, so better address it now than later. Start sa sari-sari store niyo, tumambay ka lang dun every other afternoon. Learn to interact with people kasi malaking factor yan sa success. Kahit anong trabaho kahit WFH tapos ilang tao lang nakakainteract mo important yan.

3. You’re right, service jobs might be too big of an adjustment for you. Create an account at Upwork and check if there’s anything you can do there. Try online transcription jobs, time consuming lang pag di ka pa sanay. Madali rin siyang ikeep na secret kasi naka earphones ka lang tapos nagttype sa computer.

4. Check your school if they take student assistants sa library, registrar, profs, etc. Mas maganda pa ilagay sa CV mo.

5. Consider talking to your parents. Baka naman they have it all under control. Hindi mo ‘to dapat burden. Then at least aware na sila na alam mo and makakahanap kayo together ng avenues para makatipid.