1. Both parties may sign an agreement stipulating that you are the principal of the loan, but the parents will actually use the loan, the funds will be used by them and the debts will be borne by them. The agreement will be notarized and the transfer voucher will be kept.

2. notarize their certificates;

3. Both parties sign a loan contract, lend the money you borrowed to your parents in the name of loan, and keep the transfer voucher;

Your parents go to the bank to provide you with joint and several liability guarantee, and then they need to bear the same debt liability as you.