I don't typically recommend this, but you might want to get it in to a shop that you feel you can trust and have them take a listen to it. Have them explain their diagnosis in detail, and see if it makes sense to you. Research their explanation online, and see if you can find information that supports their diagnosis. I would take this route before jumping into the cost of a new engine. I bought an '85 Chrysler New Yorker once that had a "blown engine". Opened up the hood, and their was oil sprayed everywhere. Paid $50 for it, put in a new PCV valve, which fixed the problem, and sold it for $600. Point is, your issue may actually be very minor.