u/AdBorn6820

Hello y'all, I need your knowledge. So, my heat exchange went out. Tried a bypass, worked for a bit. Modified bypass but computer keeps shutting down the fan. Now mechanic says replacing the heat exchange part will be the only thing to really fix it. The part is 4k plus labor, it's over half the value of my car loan. Am I effed?

Year 2011. NC, USA