So back in 2006 I got a car. I asked my mom to go along with me because I didn't know anything about buying a car and I didn't want to get ripped off. So I picked out the one I wanted and we sat down to do the paperwork. At the time it turned out that I had good enough credit to get it on my own, I just didn't have the income. My mom ended up co-signing for me (note that I didn't ask her to, I didn't want her to, and that wasn't the reason for having her along). All was good for awhile, I kept up with the payments...and then I got fired from my job and got behind and couldn't catch up. I got 3 months behind and my mom paid over $500 to help me catch it up (which she doesn't let me forget). So it was caught up and for a good year after that I made every payment on time. Now I've recently gotten a job that pays once a month, and I'm in a cycle of overdrafting my bank account. It's gotten to be 3 months late once again. I have been trying to pay it...it's not like I'm just not paying it and spending the money elsewhere, I'm just having trouble adjusting to getting paid once a month. So my next check, I'm just saying "f*ck all the other bills, f*ck getting food, I'm just paying off the 3 months due on the car payment to get it caught up. But I want to see about getting her off my car loan. I'm stressed out enough about money, I really don't need her breathing down my neck about the car payment and the guilt of messing up her credit along with mine. How can I get her off the car loan? I know I can refinance, but how do I do that?
Additional Details
PS, I don't care if I get a higher interest rate or even slightly higher payments because my credit isn't as good as it was when I first got the car...I just want my mom off as a co-signer.