I need advice on whether I should start with HRT or not.

I'm 22, MTF, live alone, and am still studying. I've been out to my close friends for four years, but I am not out to my Familie.

I could actually start HRT right away(DIY). At the same time, something is really scaring me: A trans friend told me that there can be negative consequences if you interrupt HRT at some point and then start it again later. This thought puts me under pressure because I'm currently unsure whether I can hide the changes from my family.

I see one parent about once a month, the other only every few months, but even that's enough to make me nervous. I wonder how I'm supposed to hide physical changes, especially in the summer when you can't wear as much as in the winter.

Financially, I'm also in a difficult situation. I'm still dependent on my parents and no longer receive government student aid because I've exceeded the maximum funding period. My job barely covers the rent, but there's not much room for anything else.

All these factors together keep leading me to ask myself whether I should wait, perhaps until I've finished my studies in two to three years, when I'm more independent and don't have to worry about having to drop HRT in the middle of the transition.

so in short, how well can i hide it from my family for the next two years and should i not start HRT for now?