Sarah, Judgeing from the many posts you have shared with us, I think this might be a wise decision on your part. I bet you have mulled this over and over in your head for a long time, no? If you have a horse that isn't fun to ride, scares you and frustrates you , and you don't have real help onhand (this forum does not count as real help), then you may or may not be able to pull yourself out of this place. If you can find her a good place and a rider who is just ahead of you on the spectrum of experience and training, then Lola will be better off , too.
You cannot wish yourself into being a better rider than you are. It takes time, time and more time. There is NO shame in acknowledging this. There are a lot of horses out there that are WAY over my head and I would be really uncomfortable if I had to ride them daily.
For two years I leased a horse that in actuality was Just over my head. I managed, but it was always just by the skin of my teeth. I did get to be a better rider, but riding in fear all the time was not fun.
Having a hrose that I can get up on, go for a ride and pretty much know that he will not hand me more than I can deal with has made me enjoy riding so much more, and though he is not as challengeing of a ride, I feel that my confidence has actually increased, not decreased.
So, this is meant to say not to feel embarassed or anything. Just start looking and be hopeful that you will find yourself a much better suited horse soon.
Wishing you luck on the journey.