22 and feel like my home is prison?

are you paying rent to live there? I think you should get out. you're not responsible for your parents horrible financial decisions and ultimately you can't live your life there. i'd talk to your father about it, as in saying that you're thinking about moving out. see what his reaction is, tell him you're not expecting him to help you out at all really and that it's just something you have to do as a young person.