I will not qualify for any need-based aid. What is my best plan of action to help out my parents?

@PetulaClark … He said they would be willing but it would be with great difficulty. Sounds like he is trying to save them from themselves? If “great difficulty” means mom will have to get a job… No big deal.

If it means they will foolishly raid the 401k or take out a home equity loan then that is entirely a different beast.