<human>: Condense the text into a few key points

I am in college and in a few weeks my summer classes end and I don't have class till fall. I work full time in fast food and I make about a grand a month doing this. I recently bought myself a new car and gave my little brother my old one so my parents are paying for the insurance for helping them out. My car payment is high because I got a little bit of a nicer car and my credit is eh, high for a 19 year old tho. I didn't get a co signer or anything.

My parents want me to come home for like a month or so, and honestly unless that are willing to pay my car payment I can't come. I know they can't afford that tho because they are constantly borrowing money from me. My brother owes me 600 right now and my dad asked to borrow a little money and I look in my account and he borrowed $950! He paid it back within days but still. My dad owns a business, has since before I was born, and it has slowed down a lot, his main source of work is constantly late on checks, I am talking 3 weeks to 3 months late, so when he asks for money I know it is going toward food or stuff for my family so I am fine letting him borrow. 

Anyways, how do I tell them I can't come down. They are a hour and a half away and as long as my schedule stays the same I will be able to come like once a week. Thinking of getting a second job for a few months just to get a little saving up again. They are expecting me to move down after fall semester and do school down there but I am planning on staying and maybe moving in with my SO but everything is up in the air. I just don't know how to talk to them about this or well anything.
<bot>: How do I tell my parents I can't stay home for 3 weeks and that I love them but I just can't do it without going broke.