If your parents refuse to help you can't really force them. If finding another job isn't doable and you are too ill to get another job then maybe bankruptcy is a solution.

I am surprised it takes 10 years to overcome bankruptcy. My BF filed bankruptcy 5 years ago and he was able to purchase new car that he financed with the same interest as me who never had bankruptcy, he also has credit cards etc his credit didn't take that long to build up, maybe too 5 years? And he actually lost a house.
Maybe it's different in other states

You can call your loan company ( is it federal loan?) and ask for deferral due to financial hardship, they will work with you. You can also work with them on reducing monthly payments. Is it consolidated ( it's not always a good idea).

You might not need w/d in apartment. If you can't carry heavy items then maybe separate in smaller piles? I can't carry nothing heavy.

How about finding a roommate?

Your t shouldn't be getting mad but she should encourage you to make changes

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