If you call the credit card companies, they will work something out. I had to do that, They looked at my history and I just laid it out on the line and said look if I could I would but this is all I can afford. They worked out a plan with me. It was a stressful call but afterward less stress.
I'm glad you have your parents, I know I get on my parents nerves, but I am very grateful for them.
Things will work out for ya!
Ain't Life fun? :)