pilotdude09,
Not sure whether this could help or not, but trying getting a "line of credit" if your parents have a good financial history (banks/credit unions don't usually offer it up front). Basically it is like a credit card in concept, however you draw money out of the account with loaned money and the interest is calculated on that just like credit card works. You may want to look it up on the web or maybe someone else might know what it is in more detail, as I don't really know much about it.
Cheers
Tim