Help with new engine for my newly bought used car

I bought this used Xterra for work about a year ago and the mechanic I had check it out and everything was great up until about a year after I bought it and now the car ended up stopping while driving to work and I found out that the engine is frozen and needs to be replaced and I still have 3 more years to pay off the car so really stuck without a car to get to work and around town. 

Thank you to whoever cares enough to read this. If you have anything spare in these hard times I humbly ask for any help to get my car back up and running.

Thank you for your time
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