Hey TJ, I'm sorry for the delay getting back to you, I've been away.
And I'm sorry you're going through this; it's not fair.
Figuring out the financials of Top Surgery can be really tricky, as you know. Insurance is out, OK. What state are you in? I take it your college doesn't have health insurance that could help.
Saving money can be really hard. It requires more coming in and/or less going out.
You're right about crowd funding. It's often not successful unless you have a network of people with some disposable income and you excel at the art of asking for money.
There are some grants available, have you looked into those? But only a few people get these; you may be better off pursuing on your own.
Your parents seem to be willing to help. Can you come up with a plan to bring to them? For example, off the top of my head, if they pay for surgery you will work it off by doing X for them, something along these lines... get creative!
Do you have a support network you can rely on? Other trans friends who understand what you are going through?
I wish I could do more for you, but I hope this somewhat helpful.
Regards,
Joshua