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What she said!
And finally we get to see some pics, that helps a lot! The things that came to mind when I saw your pic's have pretty much been mentioned by everyone else so I won't repeat it all, but do get in with a trainer or barn where you can take serious lessons on an experienced horse and maybe see if you can ride that horse in your next show.
I wanted to say this but I was being polite.
You will soon outgrow your Toby, you look a little tall on him already, and I would wager that he is probably an inch or two shorter than 14.2hh, most people tend to inflate their horse's height.
If the two of you are learning to jump together, it makes the sport even more dangerous. Experienced horses with inexperienced riders, experienced riders with inexperienced horses are the better matches. I would strongly recommend taking lessons on a different horse as Pat recommended, one with real jumping experience if that is what you want.
I am 5'2" and my mare is a solid 14.2hh (most people think she is bigger than this so she has been measured a lot to prove it, plus SHE was a hunter/jumper before I bought her--she was shown in pony classes). If you notice, I don't look nearly as tall on her as you do on Toby, although I don't know how tall you are. If you are anywhere near my height, Toby is shorter than 14hh.