Ask your parents when they began turning gray. Ask if anybody in the family -- even some great aunt or uncle somewhere -- was prematurely gray. Even if your parents grayed later, this sort of thing can hop generations within families.
I don't rule out other causes, but genetics and heredity is the first thing that you should look at, because everybody's different. I've met people who started going seriously gray in their mid-20s, and others who are in their late 40s and have maybe one strand of gray. Most people are in between the two extremes.
As for stress, all I can say is only you know how much stress you're under; so don't let your parents blow you off. Two people can do the same task or live the same type of life and feel 'way different levels of stress. It all depends on who your are.
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