My ex wife has (had?) a 2013 BMX X3. She took it to the dealership in March and they did an oil change, and also found something wrong with the transmission (she said leaky transmission case or some such). Few thousand dollars later she was on the road. Six weeks later her car shut off while doing 70 on the highway with a "Drivetrain malfunction" error. She took it to a local shop, then the dealer, who both independently diagnosed this as engine failure. The dealer apparently said they found metal shavings in the engine which is indicative of it just being dead. They both said it would need a new engine to the tune of roughly $10k.
Trouble is the car is still under loan, and while running it'd be worth more than what's left on the loan, that's not the case when it's dead. She doesn't have $10k to get it fixed right away. What options does one have in a situation like this? Junk it and get what you can? Find a dealer that'll take a car with no engine as some kind of a trade in? I've never seen a situation like this, so I figured I'd ask the good folks on here to help her out.