I have to agree with the above post (though its harsh).

You are 21, being provided the best by your parents and I am not sure what you expect by putting this question on the forum? What answers do you want?

Issue seems you have too good a life and are afraid to tell your folks straight up for fear it might jeopardize everything. I think you should try taking a part time job and make money the hard way and it will clear up your thoughts.