If you can prepare your parents beforehand, clear the air (unless they also have money problems, and that will stress them out?). Kinda like, yo, would you be fine if I suddenly will need 1k bucks in the next year. Then both your outcomes are predetermined and not so bad(?)
If you can’t, you can at least think of your stress carrying the burden of not stressing parents (I.e. something you chose to do, instead of unknown entity stressing you out at inopportune time)
For me stress of indecision is kinda worse, which is why I suggested either to simplify it by talking with parents beforehand (conditional), or by making peace with it.
Also if it’s legal trouble, maybe there are some kind of free consultation thingies/looking at the law yourself? If you have idea about the deadline and money, you probably can at least find relevant law itself and cases
