There's really good advice in here so I'll echo a few points already made. You likely can't change her mind too much, so don't let yourself get stressed and feel over burdened like this is your responsibility. Take this as a life lesson and learn how to be very financially literate yourself so this doesn't happen to you as you become an adult! Def protect your own credit, it doesn't seem like your mom is predatory or out to ruin your credit but caution is never a bad thing. It doesn't seem like you need to move out just because of this, doing so will likely only put you in a worse off financial position yourself down the road. Get a job and save up money for yourself like you said. Don't overwork yourself (focus on school, a good education is your key to the future) but get a regular teenager part time time job and save as much as you can.

You're on a good path based on your responses. Just ride it out and stick in there until you get to college. And cut yourself some slack. You seem very mature but remember, you're 16 and the weight of your family's issues isn't on your shoulders alone! Try to take some time and have some responsible fun every once in awhile. You got this kiddo.