Generally with a lease in order to get out of it early you need to pay off the rest of the lease and then turn the car in or buy it out. The $39, 000 that she is quoting is for the full buyout but since there isn't enough equity in the car - she would owe the $10, 000. Usually the good time to look to get out of a lease when you have 6 months or less before the lease ends. I had a Nissan Rogue that had a ton of equity in it and I traded it in 8 months early for a new Nissan without having to pay a dime out of pocket. I have leased my last 4 cars. I would wait until you are closer to the end of the lease. I would also find out what the actual residual is on the lease so you know what you are looking at if you go to trade it in. The other option you have is to roll the $10, 000 into the loan for the new cars - I would not recommend this but if you are dead set on getting out of the lease, that could be an option.
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