As a child, you can't change your parents, so since your father is fun-loving and you're heartbroken for your mom, you have no choice but to do your best to help your mom, and whether you're a boy or a girl, you're obligated to take care of the home. That's how I understand it, since we can't change the environment, we change ourselves to adapt to the environment.
I understand how you feel, I have also had this experience, I think that affection is something we can't buy back with more money, we have to maintain the relationship with our loved ones and share some of the responsibility for our own family, so that your mom won't be too tired. If you are still a student, then all you can do is to study well, which is the expectation of your parents, and also don't pay back the money, and don't get into trouble at school, which is the best reward for your mom.
When I was small, I was like this, very much for the sake of my family, although I said that at that time I was still very small, but other people's eyes can't do anything, but I can't bear to watch my family work, and sometimes often quarrel, in order to not let them work, I have to help them to get the work done. At that time, I thought it was better to do a little for them than nothing at all. That's why I was so hardworking when I was little, I worked hard for the good of my heart, and I felt very happy. I think you can do this, in order not to let your mother alone to take care of the family, you can help her together to take care of the family, I believe you can do it, because I feel that you are a kind and filial person, you will succeed.
Children are everything to their parents, I believe you can communicate better with your father, if you can, you need to communicate more with your parents, especially your father, you should wake him up, let him understand a man's duty, let him cheer up, because the pillar of the family are decadent, then the family's life will be bitter. For the sake of your own family, for your mom, you because become strong, at the same time you have to be brave and do what you should do.