As some of you know, my family and I moved to AZ back in the summer of 2020. When moving here, I owned a Dodge Charger outright, she was mine, no payments. Well, we moved to a place off of 7 miles of dirt road, and when monsoons hit or it snowed, my Charger would not make it out. We made it until March of 2022 with the Charger and decided we needed something more suitable to get the kids to & from school and to work. I traded in my Charger for a 2017 Jeep Wrangler and have regularly maintained it.

Needless to say, it started wanting to overheat recently, so I took it into two different shops and have already put $1,300 into it trying to fix the issue. Last week, I took it into the local shop, that I trust, and by Friday heard that I might have a blown head gasket or something of the sort. They wanted to run some more tests though, and as of Monday, it needs a new engine. We have leak down in all cylinders. I don't know how we are going to pull this off without some help, and I really don't want to ask, but I don't know what else to do.

We still owe $20k on this vehicle. Without it, I'm not sure how much longer we will be able to make it to work in the vehicle we have been using. The kids start school August 5th. I already have a personal loan out and am swimming in credit card payments. Anything helps at this point I don't know what to do.

Thanks.