sounds like your looking at it one step at a time rather then the OH CRAP freak storm of everyting all at once thats a good first step at calming down. is what is kinda thing.
paying to get it fixed is always an option. been there had to sink money into worthless cars cause i had no other choice but to keep the thing going till my circumstances changed. At teh same time gotta becareful you dont end up in a total loosing game.
I also sometimes gotta do something crazy to get my financial house back in order so sometimes it helps if you can think outside of the box maybe maybe theres another option out there I dunno.