The NCLEX pass rate for students who trained at in The Philippines is less than 30% meaning 70% fail. Retaking changes are that you will not pass on the retake is even lower than 30%. Since you are American, you can apply to LPN school, the costs are low and you can take a small loan, and work part time. Your chances of passing will be 80 % or more and your application will not be an issue.
Then you can apply to an ADN and work part time as LPN once again you can pay for yourself , you will not have to tax you parents and your license will never be an issue. Once again you chances of passing will be 80 percent or higher. You will have a command US Nursing practice and will develop great life skills. I am not a gambler but less than 30% is not an favorable ratio to me.