<human>: Summarize the given text in a few sentences.

My mother & I got into a bad car leasing situation when I was about 20 & have been in it ever since, partially because of my want for a newer car. A few years ago, we decided to refinance the lease into a finance to own situation, but my name is still not on the loan. Never was to begin with, but we share the monthly car note & insurance.

Being that credit is EVERYTHING in life, I feel stuck; morality wise, we're in this together, but realistically? I feel like I'm not benefiting from this whatsoever. I'm not sure what I should do for the future... When I apply for my own vehicle, do I not pay on this one? I'm I bound to this until 2019? (When the loan agreement is complete.) Kinda lost here. Any advice would be greatly appreciated.
<bot>: I'm paying half of a car note each month that my name isn't on & I feel like it's hindering me moving on to my own situations & credit benefit. Not sure how to go about the future...