I have just got my first loan horse :) im 21 and have been having riding lessons every saturday since I was 8. I went to college and studied horse care for 2 years and that taught me everything I know now. I have arizona on 'free loan' so I don't pay her owner anything I just pay for the upkeep of arizona which works great for me. I waited to get my first loan horse for 2 reasons, 1:i wanted to make sure I had enough money to pay livery, feed, insurance etc and 2: I wanted to be confident in myself to get one, yes I have been riding for 13 years and when I was at college I rode nearly everyday as I still took lessons but I am a very nervous rider and every single horse I get on knows that. Some will take care of me but others really play up to the fact that im nervous. Arizona takes care of me very well and when I get on her I am not nervous at all now. When I first got on her I was pretty scared, now I can't wait to get on her!! It has taken me 3 years to find arizona, lots of trials and errors with other horses that I tried. I had to stop looking for 6 months last year as a horse I went to see and try reared and then bucked me off and I fractured my coxic bone. I didnt want to stop riding but it was so painful to do so I had to.
I guess what im trying to say is don't rush things, your 14 and young :) maybe look into doing horse care or horse husbandry at college or talking to friends or family that have horses who could give you the odd free lesson?? If your near me you could always come and have a lesson on arizona :)