<prompt> Human: Hello, Redditors! I am 25 months into a 48 month car lease on a 2016 Volkswagen Jetta that I co-signed with my father. My monthly car payment is 189.88 and my monthly insurance payment is 111.33. Ive gotten a far better paying job since I got the car and want a nicer car. I have recently been exploring the possibility of amicably terminating my lease with VW without utterly annihilating my credit score 685 as of two weeks ago. I should make it clear that I dont want, nor intend, on defaulting on my payments and fully understand the dire consequences of doing such a thing and Im perfectly content on living the next 23 months of my life with this Jetta if there are no alternatives. My younger sister has expressed some interest in assuming my lease but, I dont have a physical copy of my lease contract or have any way of obtaining a digital copy via my VW account so I dont know what the stipulations are behind a lease trade.What are my options, rpersonalfinance?Thanks for reading!Edit: I should mention that Ive only put 7,000 miles on the Jetta.Edit 2: The cars residual value is 8,964.00Remaining future payments: 4,367.24Lease charge rebate: -619.71Quote amount: 12,711.53Edit 3: I am 21  <response>: Stay will your current car. Or you risk becoming one of those people that always has a nice new car to drive but ends up living off only social security for retirement 