I've said my piece and I shan't repeat it. I neither hate nor loath you, Spanner, but I do think that what you are leading towards is very unwise. However, it's up to you and your parents.
The simplest advice is to go to an independent financial advisor and find out what products exist that may achieve what you want with the least risk to your parents. I suspect there aren't many. Also, you should talk to the integrated training providers to see if they can offer anything that can be secured on your future rather than your parents' house.
Scroggs