Not to go off topic, but I would like to add that I'm saddened by the idea of parents thinking their daughter a 'bum' simply because she lives with them as an adult. You have my sympathy, and prayers.
The OP's parents are likely American, in their 60's. If they're n.o. Catholics, they're likely Americanists unawares.
My parents, just this evening, stated that, "Anyone still living with their parents after age 25 probably isn't normal." They meant, as in low intelligence or mentally ill. The comment was in reference to an acquaintance's 30 year old, college graduate daughter. Despite five years effort, she has been unable to find work that pays well enough to move out. She also wants to marry, but has found no morally suitable man. They're conservative Protestants.
I left home at 17, worked my way through university, and am female, self-supporting. What I did in the early 1970's is no longer a financial possibility. I tried explaining this to my parents, but they're in their 90's and don't grasp how far the world has fallen from all semblance of godly values.
I'm not the O.P. But I sympathize.
To the O.P. You need to have a reality talk with your parents. Go on-line. Get the statistics. Prices of college, of loans, availability of jobs, wages, costs of living, rent, auto, food, clothes, medical care, the consequences of defaulting on college loans... The last will have you living back under their roof, work and marriage prospects greatly diminished.