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I'll try to answer the question I think you're asking.
If you are riding 4 days a week (3 days plus lessons), then you would need at least a half-lease, since you'd be riding the horse more than half the days.
Typically, a half-lease is no more than half the costs of caring for the horse (thus, it is cheaper than owning). Some leases are set up so that the monthly cost is a set amount reflecting some percentage of the board fees, whereas other leases may be set up so that the person leasing also pays a portion of farriery and vet expenses.
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