I kinda agree with other posters here that your parents might surprise, and you do need to tell them something. Why don't you start by telling them that you suffered severe depression last semester.... and as a result of that failed your subject.... and as a result of that have lost funding for a while... but that that is a good thing because you have been advised to take some time to get yourself together again? If you take a while to say all this, and give your mother time between revelations to absorb what you are saying, you might find her quite sympathetic and willing to support you till you feel better.

I suppose there are some families that might be angry about this... you know your family best. But if you put it like that, and seeing that you have never failed a subject before, perhaps they will take a breath first? If not, well at least you have been open with them. Their reaction reflects on who they are, not on who you are. You just need to do what is best for you at the moment.

Hugs... hope you soon feel better.