How do I tell my parents I think I'm suffering from depression?

Lately I've noticed strong signs of depression in myself. My father suffers from depression, and takes medication for it. And I've heard that it is hereditary. I'm afraid that they won't do anything about it because I'm always telling them that I have one medical thing wrong, or another because I have a symptom. Besides the fact that money is tight, so going to a therapist, and having to take medication would be too much of a burden on my family. I don't know what to do, but I know it needs to be treated. Please let me know what you think, and what you think I should say.