First time buyer advice

Hellooooo people of Reddit. I need advice. I’m a first time car buyer. I’m 22, have a 625 credit score. (still working on it and got a late start) My current car is under my father’s name and I pay the note. I have it financed and have $11,000 left on the loan and a 9.2% interest rate. This car was a lease in 2020 then bought and financed in 2023. Recently was told I NEED to refinance into my name or trade it in. It’s valued at 6k so I have 5k of negative equity. I’m looking for advice on what to do. Please don’t judge for my lack of knowledge, as I wasnt taught much abt this and am doing it on my own. TYIA people of Reddit😊