<prompt> Human: Banking professional who is now out of banking. Had a job loss do a business going under for 4 months shortly after my wedding which used up all our savings.Now in a situation where our AC is out, living paycheck to paycheck and I have no credit to get a loan. Family including newborn is miserable and I think my wife is starting to resent me she stays at home due to daycare cost.I used to help people out of situations like this, but now just seem so buried and depressed that I dont know what to do.Any advice at this point would be appreciated.Assistant: And you called anyone else for a quote?? A lot of times the AC guys can be total scams, but the business is also very competitive Human: We have gotten a few, long story short we have good reason to trust this guy as he has also done some favors for other friends.2400 is a deal relative to other quotes.  <response>: What EXACTLY is bad in your AC unit...? A lot of the times these guys will get the factory units and charge you mark up on them. Just like what auto repair shops do shitty ones just because he has done a favor for friends does not mean he is totally being honest. These guys can be pretty lucrative and not give you the details. An AC unit is designed to last 20 years Edit: check out rHVAC after you can get a detailed prognosis of your unit. They could offer some insight, might even have people willing to help you in that area granted your situation 