First, the thing between your parents is not your problem. You are not entitled to that money, and trying to gain access to it will only anger them.
There's a huge scam around college financing
It's difficult to see as a young American because you're only seeing it in one country and one age. But the situation with expensive college is not normal.
You know how, if everyone has a lot of money to buy a thing, prices go up? It's like when mortgage interest rates fell to 6% from 14%, people could afford bigger mortgages, so they were able to bid prices higher.
There's a tiny law that says "student loans are not dischargeable in bankruptcy": It's a debt you cannot ever escape. Government student loans have sensible rules that balance that. Private student loans do not, but they weren't competitive until interest rates went very low about 20 years ago. Now, private loans have gone crazy. Cheap schools have popped up simply to get young people signed up on student loans (aka diploma mills). Online/distance learning has only made this worse.
A debt someone can't escape except by dying? It's a no-brainer for investors, and a sucker bet for students. But they are bombed with propaganda saying how very important college is (not wrong), and financial literacy is not taught in high school -- so when it comes to complex financial matters like this, young people are lost and get victimized by this crazy system - and especially by these cheapie "diploma mill" schools.
So you have very good reason to be concerned and asking questions.
It's not that way in other countries
Of course, that seems very intimidating. Most young Americans have never left the country, but that's just a habit. It's a GREAT option, it's just a lot more complex and so you have a bit of a "senior project" working out the details.
"Surely it's as expensive there" - no, the "low interest/student loan/greed" runaway train never happened there, because the government has different policies. Often college is free, which lets the air out of the student loan business ;)
"I'll never get a residence visa" - no, you get a student visa. As you'd guess, it's for that. And it provides what you need, including often right to work to fund your college/living expenses.
"They hate immigrants" - European and developed East Asian countries love Americans, though.
"What about housing" - it's situational, you have to check with the country.
"Free? REALLY?" Keep in mind in many countries it's free to their own citizens, so they keep costs down. It's good public policy because it helps their economy more than it costs. Making it free to Americans is good public policy too; guest students tend to get an affinity for the country, so they want to do business there or help companies do business there. The value that adds to their economy pays for your college. Get it?
Not that way in the military
The US Military has a variety of programs to get you into college at no cost. Of course they will want something in exchange for it.
Military experience is often, itself, as good as education on a resume. As an example, there's a pilot shortage - the military can provide the training and many flight hours you need to qualify for decent paying slots on commercial airlines.
Not that way at community college, which is often close to free
And many states and municipalities make community college almost free. You can use this to get all the basic courses you'll need for a longer degree. For instance you'll need Calculus I for a Data Science bachelor's - but Rockhill Community College can teach it just fine, so no need to burn rent and student loans getting it at MIT.
Further, if there are deficiencies in your high school grades, and you excel in community college, that will greatly help your application to the Big University.
Applies not so much to Trade School
With all the hype about college, people overlook the skilled trades. You actually get to build stuff like buildings or the electrical and plumbing in them. And you get better paid work, sooner, than you often get with a college degree.
Trade crafts are not just grease and sweat. They are highly technical these days, in their own way.
Another amusing fact is that some countries grant work visas to people with needed trade skills. Once there, you can get -guess what - free college ;)
Or rather, mechanics to fix the hydraulics on the ditch diggers.
It doesn't apply if you skip college
It is possible to make it without a college degree. It can work with you applying to jobs; especially now as employers are very hungry. However it is more reliable when you make your own business. Your business doesn't care about your degree (it cares about your skills which degrees help) - businesses mostly care about your level of commitment.
Avoid red herrings
The thing about your parents and their money concerns me. It's not your money and you have absolutely no rights to any of it. You must be careful not to allow things like that to become a distraction to the goal. Focusing on irrelevance like that is one way people self-defeat... that is your brain looking for a way to not confront a problem before you. Problem: financing college; avoidance strategy: focus on money you'll never get and pretend that's a barrier to progress, making lack of progress not your fault. See how that works?