My timing belt burnt/blew today, nothing dramatic the car just died & I pulled over. I had car towed to local garage, quoted me around 0 for labor/parts. When they went to start the car after replacing the belt the belt won't stay on--they're saying a valve is bent and that I'll need a new engine (K-K). The car has about 126K mi and I have about 9 payments left....WHAT SHOULD I DO??? ANY ADVICE APPRECIATED!!!