This is what I would say if you were my child:
“Sweetie, it’s okay for you to transfer. You are not your brothers/sisters, and this is not high school, where you have to go to the same school together. That you are considering the finances, shows your concern for us.”
I really don’t understand how your parents think they will be able to pay off these debts because, eventually, if you can’t, they have to. They need to understand that their credit scores are now impacted by these loans.
Eventually your parents will no longer qualify for any more loans they’ll just be tapped out. Then what happens?
The posters here want you to get your education and then:
-buy your first car on your own,
-freely socialize without budgetary thoughts about where your next meal is coming from,
- Live away from your parents or not live with them for 20 years,
and, to qualify for a home loan.
You know you can always go back to the closest uni near your home, or send an email and ask for suggestions.
Take care and let us know how everything is going.