“There’s not much you can do in this situation.
First off, $6,000 for an engine seems outrageous. Take your Escape somewhere else for a second opinion. Ask about getting a used engine instead of a new one—this might lower the cost substantially.
If you need wheels, fixing it is perhaps your best option rather than buying a new car. There’s no need to go further in debt.
Then pay this loan off as fast as possible. Try to cut any extraneous expenses and put all your saved money toward the balance, regardless of whether you fix the vehicle.”