<prompt> Human: As the title says, we bought a used car from a dealership last November 2016. Took the car in Monday with an engine light check on. Our mechanic who is a friend of the family, says we may be looking at a complete engine replacement. Financially, were tight on money for any major unexpected events such as this. Are there any options out there for us? I dont expect theres a clean way to get out of the loan, of course, that would be a Xmas miracle. But some paths we can follow to try to ease our burden would be wonderful.EDIT: 2010 Chevy Equinox, 131,XXX miles. Apparently some metal shavings got into the engine block. When I go talk to my mechanic Ill get a more proper, detailed diagnosis to add. Ok, apologies in advance; I am no car expert, and I had to re-read some of the paperwork to offer a more detailed, clear explanation. Mechanic says there is metal shavingsdebris in the oil system. Took pictures showing silver flakes in the oil when the filter was removed and tilted to leak out on a paper towel. Debris is getting into the valve timing solenoid. Codes are active for a cam phaser issue, suspected metal in it. He did say in his experience, they would have to disassemble the engine to the point of the problem, and an inspector would come out to diagnose the issue We purchased a powertrain warranty for 2950... but that 34th of the time, they claim said issue is with a part, or problem that is not covered. AT that point I am responsible for the repair or replacement of the engine.Hope this helps more.  <response>: What year and how many miles are on the car?If it was certified it most likely has factory powertrain warranty left on it and shouldnt cost you a dime.The Make and Model would also be helpful. 