OP, please reconsider your plan to study pre-med in the US. The chances of getting into med school as an international student is not exactly impossible, but very nearly so. If you want to study medicine, you should do that in your own country. After finishing medical school there, you can come here for advanced training,
If you can’t demonstrate to the visa officer that you have enough money to pay for at least the first year of college here, you won’t get a student visa. It may make more sense for you to take a gap year and wait until your parents’ financial situation recovers.