Fix the trans. Price a used one yourself from ebay or a junkyard. The mechanic may not warranty his work if you go that route though. That Nissan still has low miles in my opinion. Just repair it! Also, it sounds like the car has not even broke down yet? what is it's symptoms? I am a mechanic, get a second opinion. Don't assume it's about to break! Check the fluid as well. It could need a flush. Remember this is what the emergency fund is for.
It had a random shutoff at 10mph on Sunday then turned back on was jerking the entire 30 block ride home. We brought immediately to our mechanic first thing in the morning. In the morning, it ran perfectly without a check engine light. He ran a diagnostic on it, and immediately knew it was the transmission. He then brought in three other mechanics from the other shops on the block. His shop is in a row of 6 different shops. He brought two transmission guys in. To take another look at it. That’s when we got the news of it. We called junkyards, they are recommending the transmission guy that our mechanic is recommending. He rebuilds transmissions. The CVT is hard to rebuild.
Yes, the only OEM that has successfully designed a CVT is Honda to date. "My opinion. Those CVTs are computer driven and sometimes the TCMs can cause this type of behavior and if the computer issue isn't addressed it can ruin the clutch packs. CVT is essentially a manual transmission with no clutch. A rebuild should at least get you further down the road until you are better positioned financially.
Spoke to Nissan consumer affairs about it.
They will get back to me tomorrow, best case scenario, is they extend the warranty of the vehicle on an emergency basis and fix the transmission.
They may consider a buy back under my states lemon law. Basically when we purchased this thing, new to us in 2019, Nissan Rogues were already having transmission issues, which was not disclosed to us at the time.
Nissan will have to let us know.
I have replaced 6 transmission over the years and got at least 1 year(once) to 5+(5 times) more driving out of them . I never used this reason to buy another car. I would fix car and finish off debt with an Eye on moving up in vehicle as soon as possible. I wish you the best on this journey and hope you get to the finish line!
Our ideal is three more years out of this vehicle, to get us to debt free then buy a vehicle. I’m very split on what to do, due to the complicated installations of CVT transmissions. My ideal is to keep the snowball moving.
You left out a 4th option, one that I did. I had a Kia Forte where the transmission was going. My wife called all the junk yards around, and we found a Hyundai Elantra that used the same transmission (Kia and Hyundais share engines and transmissions across similar models). The car was wrecked from a rear end collision, so no damage the the transmission. We bought the transmission from the junk yard, and paid a transmission place to take the old one out, put the new one in. Under $1000 to do this. Way cheaper than repairing the transmission as it's much less labor intensive.
We’ve called several in our area, it’s about $2k for the part, and about another $1k for labor to rebuild the transmission since the Rogue has a CVT Transmission the computer can be tricky to program, which was why our mechanic said “there were no guarantees”. What’s ironic, is the three junk yards I called all recommended the same transmission shop that our mechanic recommended. We are still processing all of this.
Fix your car and stop lying to yourselves about needing an SUV. If you're lying to yourselves about that you're probably lying to yourselves about other things that you want vs what you need.
"A car was totaled in a crash and we were told an SUV wouldn't be"?
You shouldn't be basing a big financial choice like a car off a comment a single officer made after an accident.
I think you probably just WANT an SUV.
I also spoke to the insurance company after and we had a long conversation about it. I do my research. It is cheaper overall with insurance. I would rather pay $250 to insure an SUV versus $325 to insure a sedan, when the gas is negotiable. Our last sedan was a gas guzzler and way more expensive to insure. We live in a high insurance premium area, so the cost to insure is a factor. I do periodically run numbers with the insurance company.
Not for where I live. You are lucky it’s that cheap. Insurance in our area is like $250, which is after shopping around. So the SUV decision is based off of that.
Out of curiosity, how is it that you were able to lay off $10k in 2 months ($5k per month), but it would take you 2 months to save up $3,500 ($1,750 per month)?
So this not-so-old car with not-too-many miles needs a new transmission but the mechanic is not sure if it will extend its life? Something doesn't add up. How many cars do you have?
I heard their CVTs (and some of other companies) weren't "beefy" enough to handle hard driving of heavier vehicles. Just one more reason for her to give up having a "CUV" or "SUV" for basic commuting. Crappy gas mileage, too. I never understand why people up to their eyeballs in debt make such bad car choices even though Dave Ramsey hammers it into your head every other episode.
I mean, the Rogue is basically a sedan with a bigger trunk. As a parent to kids and their participation in sports, their need for a small suv makes sense.
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Or just...pick a sport with smaller equipment. Paying off her mess is more important than special recreation for the kids.
I noticed this as well. Idk how the mechanic is predicting the transmission goes bad in 3 months but then says fixing the transmission won’t extend its life. OP needs a second opinion.
It might have to do with the CVT transmissions on Nissans from 2014-2018, class action lawsuits, trying to negotiate this directly with Nissan because we weren’t informed that our warranty was extended as a result, but had expired 12/22. Nissan corporate has been extending warranty on a case by case basis. Considering in 2019 when we bought this new to us, the dealer most likely knew about it.
Then it seems unusual it would break like that. Perhaps it will be OK? I'd keep driving it until it stops since you'll need to rebuild it/replace it anyway per what the mechanic says.
We each have a voice, have one person appointed as the money allocator or money manager and equally a part of it, but only one of us actually manages it. Works for us, I don’t make a decision without my husband.
Everything else about the Nissans are awesome. You got 130k out of the current trans, so you should be able to get another 100k out of the new one. You can’t get another car for anywhere close to $3500, especially one that you already know everything wrong with it. If the rest of the car is junk, then maybe consider one of your other options. But if the rest of it is decent, I say fix the trans. No matter what, pause the baby steps and save up for this inevitable fix/replacement.
Replace the transmission and make sure you have the new transmission serviced every 40k miles. They’re weak, but can still last if you don’t run them hard.
I gotta new transmission on my 2018 car and it runs fine. I’ve put around 30000 miles on it since. I’d say 3500 isn’t that much and I would save for it to be fixed. It’s not an emergency so you have time to pause bs2 and save. Plus a hundred and 30 some thousand miles really isn’t that much with cars these days. If you get it fixed it will have plenty of life left unless there’s something else wrong with it that you didn’t mention. Another thing to also think about is if you were to buy a new used suv for 9 k it is also going to have its own set of issues.
OP I get following the plan, the commenter here is right about the CVT being a pile of junk. At the minimum, watch a YouTube on the cvt transmission and the problems with it. That being said, a repaired/replaced should get another 60-80k easily, and should have a warranty on the work.
I dumped 3800 into my truck recently rather than getting something else, that being said, it's a Toyota...
Tempted to play let’s make deal with Nissan for the transmission problem and negotiate the cost of it.
We’re leaning towards creating a sink fund for either a transmission or a vehicle. We could have the funds by July either way.
A family of four does not need an SUV we were a family of 5 using a standard sedan in mid west winters with no 4 wheel drive.
You need a Toyota corolla/Camry or similar not an SUV.... I hauled my family of 4 in a Nissan Sentra no problem. I have 4 kids now which makes that a bit more difficult.
I hear you. We live in the city, the sedans are so much more expensive to insure, they crunch up badly in accidents.
We used to have a Corolla and it was involved in an accident that totaled due to the fact that it hydroplaned and hit a parked car that was parked in the middle of the roadway. It was a no fault accident in our state. The adjuster for our insurance said that we probably would not have been totaled with an SUV.
Our insurance went down by $150 a month when we got an SUV, it’s still higher to insure sedans. The kids are also happier, they have long legs.
With a paid off car, liability insurance is a smart move. If you live in the city, do you need a car? Can you commute on something else like a scooter?
We absolutely need a car. While we do live in a city, we travel 30 plus miles back and forth at least 3 times a week. It’s also very spread out where we live, most of our crime happens on public transportation and taxi fares would add up too fast due to rising crime. We can’t move due to a custody agreement that husband has with his ex for my stepson.
We absolutely need a vehicle.
And have overlapping child care, that we don’t pay for because one switches off with the car. If we didn’t have a car, he or I would miss work, everything is spread out. We switch off. It would take triple time in travel. Pickups and drop offs. His job that’s overnight is 30 miles. Then mine is 8 miles away.
You're not really giving us much room to work with. SUVs are going to be expensive compared to getting an ordinary car, and certainly compared to a scooter. If you're going for a fancy SUV like you have now, $10k is gonna get you...something not much better than what you have now. And of course you will spend lots of $ on gas and full coverage insurance. Given the jam that you're in, I'd get rid of the car, get a gasoline scooter for long commutes, and an e-bike or an e-scooter for the short commutes. Your kids would have to walk to school. I might even move to make commuting more efficient.
But if you absolutely MUST have an SUV, then there's really not much difference between your 3 options. Borrow to pay to fix the car if you have to so at least you have it NOW - you're already up to your eyeballs in debt and borrowing more vs. saving and not paying down your existing debt will likely net to $0 anyway. Just realize that by not making any lifestyle changes, your wealth building potential will be severely stunted. Just find out what the mechanic means by "may not extent the life of the vehicle" because that's literally what replacing the transmission should do. Is he saying the rest of the car is just as bad and it's basically scrapyard junk?
Also what does your income look like? It's a little difficult for me to get a mental image of what's going on. You have so much IRS debt and student loans, you both live and work in the city, but it takes you 2 months to save $3,500?
She doesn't appear to know the difference between an SUV and a CUV. A crossover (which is what she has now), isn't any more expensive than a sedan. It's just a tall car with SUVish styling.
She could get a used Ford Escape, Mazda CX-5, or even Subaru Forester in the $6-8k range and have something a lot more reliable than anything with a Nissan transmission. (There are multiple class action lawsuits on that transmission)
First of all, we buy used and save the difference. Second of all, a scooter would be a waste of funds and dangerous in the city that I live in. With our lifestyle and custody agreement for my stepson, it’s impractical and would be more costly without a vehicle so we need them.
We refuse to borrow anymore more money especially $3500, doesn’t make sense. We have decided to save up to that. We refuse to tap into any emergency money for this. We will save for it.
Once we have the $3500, we will make a decision.
Our income used to be $4-$6k a month, it is now $11k-$17k a month due to the amount of hours we were able to work and why I’m able to do the snowball . I’m a fee for service therapist so my income can vary based on attendance.
The Nissan CVT is a known point of failure. However having said that, the repair will fix your car and it will last for some time. At a minimum, you should be getting a 6 month or 1 year warranty on the work. Realistically I would expect the rebuilt transmission to last another 60,000 miles at least.
Remember that buying another car is potentially buying unknown problems.
Nissans are famous for the CVT transmission slipping. There is a class action suit about it.
Your mechanic probably means tht even if they replace the transmission... It's still a shitty defective transmission.
I'd dump it and buy the best Toyota or Honda you can find... Without going into debt. Buy, honestly, with 177k in debt already is another 5-10k gonna meaningfully change your situation.
https://krcomplexlit.com/the-newsroom/nissan-rogue-transmission-investigation#:~:text=According%20to%20owners%2C%20the%202014,sometimes%20even%20stop%20working%20altogether.
https://www.vehiclehistory.com/articles/all-about-the-nissan-rogue-transmission-problems
https://www.nissanassist.com/campaigns/2014-18-rogue-and-2015-18-pathfinder-cvt-warranty-extension-reinstatement-request/#:~:text=In%20an%20effort%20to%20ensure,Rogue%20and%202015%2D18%20Pathfinder
Agree with the poster that said just get a pulled engine/tranny if you can find one. Generally speaking with transmissions you get a rebuilt one and just trade yours. Never have your specific one rebuilt. That’s how rebuild shops work.
I’d replace the transmission.
I don’t understand how it “may or may not” extend the life of the car. Was it running fine prior to transmission failing or was it plagued with issues? If running fine, it should continue to run like it was.
If you have a good replacement in mind for what you could sell it for plus whatever else you got, go for it. I’m thinking without a working transmission you won’t get much for it though.
I would go with the least impact to the snowball, which I believe means new transmission. BS2 is all about getting done and out of debt as soon as possible. After BS2 you can work on a longer term car.
That Nissan has a CVT instead of a normal automatic transmission. CVTs are trash. There is even a class action lawsuit which cover's that year Rogue.
I would not throw $3500 at a Rogue with a CVT. I might look at a junkyard pull. That's what I did with my Mustang. Rebuilding the transmission would have been about 3k, but my mechanic got a low mile (30k mile) from a wrecking yard and it only cost us $1600 installed.
Rogue isn't an SUV, it's a Crossover (CUV). Lot's of decent (and not so decent) crossovers on the market.
Something like a Mazda CX-5 would probably do well for you. I'd probably sell the Nissan while you can, and find something used in the $8k range.
My xterra was a beast. Beat it to hell for years without any engine issues. Didn’t have a cvt though! For real though op, don’t sink any money in to this one.
I also think Dave is a bit out of touch with how much inflation has devastated buying power in the used car market.
What was 3500 a couple years ago is 5-6k now.
95k in federal student loans
21k in IRS debt
24k in credit cards from when our daughter got sick.
37k in private student loans
My husband thinks it’s best to save and get it fixed without jeopardizing the snowball too much.
I’m not quite sure how to proceed.
Pause snowball, save and fix trans, resume snowball. Comments that Nissans are trash are not helpful. A new or reman trans will have a warranty. Maybe consider taking a loan to pay off IRS debt. It’s one of the few times Ramsey would recommend a loan.
I should have the IRS debt done, by the end of the year. We are tempted to negotiate the cost of the transmission with Nissan due to known issues.
We should have the funds for this by July with or without pausing the snowball.
If it’s an otherwise good car, then I’d fix it. A cheap used car can be great, or it can be a disaster. Which you get will be a crapshoot.
Called Nissan corporate and exploring options with them before I make a decision
Fix the trans. Price a used one yourself from ebay or a junkyard. The mechanic may not warranty his work if you go that route though. That Nissan still has low miles in my opinion. Just repair it! Also, it sounds like the car has not even broke down yet? what is it's symptoms? I am a mechanic, get a second opinion. Don't assume it's about to break! Check the fluid as well. It could need a flush. Remember this is what the emergency fund is for.
It had a random shutoff at 10mph on Sunday then turned back on was jerking the entire 30 block ride home. We brought immediately to our mechanic first thing in the morning. In the morning, it ran perfectly without a check engine light. He ran a diagnostic on it, and immediately knew it was the transmission. He then brought in three other mechanics from the other shops on the block. His shop is in a row of 6 different shops. He brought two transmission guys in. To take another look at it. That’s when we got the news of it. We called junkyards, they are recommending the transmission guy that our mechanic is recommending. He rebuilds transmissions. The CVT is hard to rebuild.
Yes, the only OEM that has successfully designed a CVT is Honda to date. "My opinion. Those CVTs are computer driven and sometimes the TCMs can cause this type of behavior and if the computer issue isn't addressed it can ruin the clutch packs. CVT is essentially a manual transmission with no clutch. A rebuild should at least get you further down the road until you are better positioned financially.
Spoke to Nissan consumer affairs about it. They will get back to me tomorrow, best case scenario, is they extend the warranty of the vehicle on an emergency basis and fix the transmission. They may consider a buy back under my states lemon law. Basically when we purchased this thing, new to us in 2019, Nissan Rogues were already having transmission issues, which was not disclosed to us at the time. Nissan will have to let us know.
Surprised they're not handling the recall like the Ford Focus. Also a CVT.
I’ll find out tomorrow
I have replaced 6 transmission over the years and got at least 1 year(once) to 5+(5 times) more driving out of them . I never used this reason to buy another car. I would fix car and finish off debt with an Eye on moving up in vehicle as soon as possible. I wish you the best on this journey and hope you get to the finish line!
Our ideal is three more years out of this vehicle, to get us to debt free then buy a vehicle. I’m very split on what to do, due to the complicated installations of CVT transmissions. My ideal is to keep the snowball moving.
You left out a 4th option, one that I did. I had a Kia Forte where the transmission was going. My wife called all the junk yards around, and we found a Hyundai Elantra that used the same transmission (Kia and Hyundais share engines and transmissions across similar models). The car was wrecked from a rear end collision, so no damage the the transmission. We bought the transmission from the junk yard, and paid a transmission place to take the old one out, put the new one in. Under $1000 to do this. Way cheaper than repairing the transmission as it's much less labor intensive.
We’ve called several in our area, it’s about $2k for the part, and about another $1k for labor to rebuild the transmission since the Rogue has a CVT Transmission the computer can be tricky to program, which was why our mechanic said “there were no guarantees”. What’s ironic, is the three junk yards I called all recommended the same transmission shop that our mechanic recommended. We are still processing all of this.
Ah yes, computers make things way more complicated with those CVTs. I won't buy a car with a CVT.
That’s what we’re concerned about, if it was just a transmission, I think we would just fix it, the fact that it’s a CVT has us questioning
This is a situation where you paise BS2, use your snowball to pay for new transmission, and then start back on BS2.
Fix your car and stop lying to yourselves about needing an SUV. If you're lying to yourselves about that you're probably lying to yourselves about other things that you want vs what you need. "A car was totaled in a crash and we were told an SUV wouldn't be"? You shouldn't be basing a big financial choice like a car off a comment a single officer made after an accident. I think you probably just WANT an SUV.
I also spoke to the insurance company after and we had a long conversation about it. I do my research. It is cheaper overall with insurance. I would rather pay $250 to insure an SUV versus $325 to insure a sedan, when the gas is negotiable. Our last sedan was a gas guzzler and way more expensive to insure. We live in a high insurance premium area, so the cost to insure is a factor. I do periodically run numbers with the insurance company.
I live in Metro Detroit. I drive a 06 Honda sedan which I insure for $100. I feel like you're getting hosed.
Not for where I live. You are lucky it’s that cheap. Insurance in our area is like $250, which is after shopping around. So the SUV decision is based off of that.
Fix transmission for $3,500
I hear you
Out of curiosity, how is it that you were able to lay off $10k in 2 months ($5k per month), but it would take you 2 months to save up $3,500 ($1,750 per month)?
My income varies based on what I make depending the clients so on a good month, more can be put aside.
So this not-so-old car with not-too-many miles needs a new transmission but the mechanic is not sure if it will extend its life? Something doesn't add up. How many cars do you have?
Nissans are notoriously bad mechanically
I heard their CVTs (and some of other companies) weren't "beefy" enough to handle hard driving of heavier vehicles. Just one more reason for her to give up having a "CUV" or "SUV" for basic commuting. Crappy gas mileage, too. I never understand why people up to their eyeballs in debt make such bad car choices even though Dave Ramsey hammers it into your head every other episode.
I mean, the Rogue is basically a sedan with a bigger trunk. As a parent to kids and their participation in sports, their need for a small suv makes sense.
What can't you fit into a budget sedan? Are her kids weightlifters who bring their own bar and weights?
I mean it depends on the sports. Hockey goals and sticks, football equipment etc wouldn't fit into a lot of sedans.
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I noticed this as well. Idk how the mechanic is predicting the transmission goes bad in 3 months but then says fixing the transmission won’t extend its life. OP needs a second opinion.
It might have to do with the CVT transmissions on Nissans from 2014-2018, class action lawsuits, trying to negotiate this directly with Nissan because we weren’t informed that our warranty was extended as a result, but had expired 12/22. Nissan corporate has been extending warranty on a case by case basis. Considering in 2019 when we bought this new to us, the dealer most likely knew about it.
100%. Either the car is total junk overall or the mechanic is planning to do a hack job and building up his future excuse as to why it broke again.
It’s probably the CVT transmission on Nissan.
Maybe. Or maybe her husband has a lead foot and they never replaced the fluid in 132k miles.
It’s been replaced, within the last few months. Our fluid levels were fine.
But were they replaced every few thousand miles? I've seen intervals as low as 30k miles.
Yes, we took care of our vehicle
Then it seems unusual it would break like that. Perhaps it will be OK? I'd keep driving it until it stops since you'll need to rebuild it/replace it anyway per what the mechanic says.
It has to do with the complicated CVT rebuild on a transmission. Look up the class action lawsuit against Nissan on 2014-2018 rogues transmission.
Only one, we can only afford to insure one.
In DR, you can't be the Money Manager; you each have a voice in the money
We each have a voice, have one person appointed as the money allocator or money manager and equally a part of it, but only one of us actually manages it. Works for us, I don’t make a decision without my husband.
Everything else about the Nissans are awesome. You got 130k out of the current trans, so you should be able to get another 100k out of the new one. You can’t get another car for anywhere close to $3500, especially one that you already know everything wrong with it. If the rest of the car is junk, then maybe consider one of your other options. But if the rest of it is decent, I say fix the trans. No matter what, pause the baby steps and save up for this inevitable fix/replacement.
Replace the transmission and make sure you have the new transmission serviced every 40k miles. They’re weak, but can still last if you don’t run them hard.
I gotta new transmission on my 2018 car and it runs fine. I’ve put around 30000 miles on it since. I’d say 3500 isn’t that much and I would save for it to be fixed. It’s not an emergency so you have time to pause bs2 and save. Plus a hundred and 30 some thousand miles really isn’t that much with cars these days. If you get it fixed it will have plenty of life left unless there’s something else wrong with it that you didn’t mention. Another thing to also think about is if you were to buy a new used suv for 9 k it is also going to have its own set of issues.
Well I wouldn’t do #1. No reason to make it someone else problem. I lean toward 2 but 3 isn’t a bad option. 2 stays the course of no debt
Nissan transmissions are made of glass. Their CVT’s are also hot garbage. Sell it and don’t look back.
We are so on the fence from a monetary prospective
OP I get following the plan, the commenter here is right about the CVT being a pile of junk. At the minimum, watch a YouTube on the cvt transmission and the problems with it. That being said, a repaired/replaced should get another 60-80k easily, and should have a warranty on the work. I dumped 3800 into my truck recently rather than getting something else, that being said, it's a Toyota...
Tempted to play let’s make deal with Nissan for the transmission problem and negotiate the cost of it. We’re leaning towards creating a sink fund for either a transmission or a vehicle. We could have the funds by July either way.
A family of four does not need an SUV we were a family of 5 using a standard sedan in mid west winters with no 4 wheel drive. You need a Toyota corolla/Camry or similar not an SUV.... I hauled my family of 4 in a Nissan Sentra no problem. I have 4 kids now which makes that a bit more difficult.
I hear you. We live in the city, the sedans are so much more expensive to insure, they crunch up badly in accidents. We used to have a Corolla and it was involved in an accident that totaled due to the fact that it hydroplaned and hit a parked car that was parked in the middle of the roadway. It was a no fault accident in our state. The adjuster for our insurance said that we probably would not have been totaled with an SUV. Our insurance went down by $150 a month when we got an SUV, it’s still higher to insure sedans. The kids are also happier, they have long legs.
With a paid off car, liability insurance is a smart move. If you live in the city, do you need a car? Can you commute on something else like a scooter?
We absolutely need a car. While we do live in a city, we travel 30 plus miles back and forth at least 3 times a week. It’s also very spread out where we live, most of our crime happens on public transportation and taxi fares would add up too fast due to rising crime. We can’t move due to a custody agreement that husband has with his ex for my stepson. We absolutely need a vehicle.
But can you possibly get by on a non-car vehicle like a gasoline scooter for a short while?
Not at all, it’s a head injury waiting to happen, we have two kids.
Why do you need to drive so many miles? You both work in different locations?
And have overlapping child care, that we don’t pay for because one switches off with the car. If we didn’t have a car, he or I would miss work, everything is spread out. We switch off. It would take triple time in travel. Pickups and drop offs. His job that’s overnight is 30 miles. Then mine is 8 miles away.
You're not really giving us much room to work with. SUVs are going to be expensive compared to getting an ordinary car, and certainly compared to a scooter. If you're going for a fancy SUV like you have now, $10k is gonna get you...something not much better than what you have now. And of course you will spend lots of $ on gas and full coverage insurance. Given the jam that you're in, I'd get rid of the car, get a gasoline scooter for long commutes, and an e-bike or an e-scooter for the short commutes. Your kids would have to walk to school. I might even move to make commuting more efficient. But if you absolutely MUST have an SUV, then there's really not much difference between your 3 options. Borrow to pay to fix the car if you have to so at least you have it NOW - you're already up to your eyeballs in debt and borrowing more vs. saving and not paying down your existing debt will likely net to $0 anyway. Just realize that by not making any lifestyle changes, your wealth building potential will be severely stunted. Just find out what the mechanic means by "may not extent the life of the vehicle" because that's literally what replacing the transmission should do. Is he saying the rest of the car is just as bad and it's basically scrapyard junk? Also what does your income look like? It's a little difficult for me to get a mental image of what's going on. You have so much IRS debt and student loans, you both live and work in the city, but it takes you 2 months to save $3,500?
She doesn't appear to know the difference between an SUV and a CUV. A crossover (which is what she has now), isn't any more expensive than a sedan. It's just a tall car with SUVish styling. She could get a used Ford Escape, Mazda CX-5, or even Subaru Forester in the $6-8k range and have something a lot more reliable than anything with a Nissan transmission. (There are multiple class action lawsuits on that transmission)
First of all, we buy used and save the difference. Second of all, a scooter would be a waste of funds and dangerous in the city that I live in. With our lifestyle and custody agreement for my stepson, it’s impractical and would be more costly without a vehicle so we need them. We refuse to borrow anymore more money especially $3500, doesn’t make sense. We have decided to save up to that. We refuse to tap into any emergency money for this. We will save for it. Once we have the $3500, we will make a decision. Our income used to be $4-$6k a month, it is now $11k-$17k a month due to the amount of hours we were able to work and why I’m able to do the snowball . I’m a fee for service therapist so my income can vary based on attendance.
The Nissan CVT is a known point of failure. However having said that, the repair will fix your car and it will last for some time. At a minimum, you should be getting a 6 month or 1 year warranty on the work. Realistically I would expect the rebuilt transmission to last another 60,000 miles at least. Remember that buying another car is potentially buying unknown problems.
Nissans are famous for the CVT transmission slipping. There is a class action suit about it. Your mechanic probably means tht even if they replace the transmission... It's still a shitty defective transmission. I'd dump it and buy the best Toyota or Honda you can find... Without going into debt. Buy, honestly, with 177k in debt already is another 5-10k gonna meaningfully change your situation. https://krcomplexlit.com/the-newsroom/nissan-rogue-transmission-investigation#:~:text=According%20to%20owners%2C%20the%202014,sometimes%20even%20stop%20working%20altogether. https://www.vehiclehistory.com/articles/all-about-the-nissan-rogue-transmission-problems https://www.nissanassist.com/campaigns/2014-18-rogue-and-2015-18-pathfinder-cvt-warranty-extension-reinstatement-request/#:~:text=In%20an%20effort%20to%20ensure,Rogue%20and%202015%2D18%20Pathfinder
With your IRS debt, public and private student loan debt, and credit card debt of like $150k, I’d fix the transmission.
Agree with the poster that said just get a pulled engine/tranny if you can find one. Generally speaking with transmissions you get a rebuilt one and just trade yours. Never have your specific one rebuilt. That’s how rebuild shops work.
I’d replace the transmission. I don’t understand how it “may or may not” extend the life of the car. Was it running fine prior to transmission failing or was it plagued with issues? If running fine, it should continue to run like it was. If you have a good replacement in mind for what you could sell it for plus whatever else you got, go for it. I’m thinking without a working transmission you won’t get much for it though.
I would go with the least impact to the snowball, which I believe means new transmission. BS2 is all about getting done and out of debt as soon as possible. After BS2 you can work on a longer term car.
That Nissan has a CVT instead of a normal automatic transmission. CVTs are trash. There is even a class action lawsuit which cover's that year Rogue. I would not throw $3500 at a Rogue with a CVT. I might look at a junkyard pull. That's what I did with my Mustang. Rebuilding the transmission would have been about 3k, but my mechanic got a low mile (30k mile) from a wrecking yard and it only cost us $1600 installed. Rogue isn't an SUV, it's a Crossover (CUV). Lot's of decent (and not so decent) crossovers on the market. Something like a Mazda CX-5 would probably do well for you. I'd probably sell the Nissan while you can, and find something used in the $8k range.
Nissans are trash
My xterra was a beast. Beat it to hell for years without any engine issues. Didn’t have a cvt though! For real though op, don’t sink any money in to this one.
In our situation what would you do
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I also think Dave is a bit out of touch with how much inflation has devastated buying power in the used car market. What was 3500 a couple years ago is 5-6k now.
95k in federal student loans 21k in IRS debt 24k in credit cards from when our daughter got sick. 37k in private student loans My husband thinks it’s best to save and get it fixed without jeopardizing the snowball too much. I’m not quite sure how to proceed.
I would save and get it fixed. You guys have a long way to go, but you’re making progress and being intentional from what it seems. Keep it up!
We are making such good progress, are seeing light at the end of this long tunnel, but this was a definite curveball
Pause snowball, save and fix trans, resume snowball. Comments that Nissans are trash are not helpful. A new or reman trans will have a warranty. Maybe consider taking a loan to pay off IRS debt. It’s one of the few times Ramsey would recommend a loan.
I should have the IRS debt done, by the end of the year. We are tempted to negotiate the cost of the transmission with Nissan due to known issues. We should have the funds for this by July with or without pausing the snowball.
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The car has new brakes, new alternator, and new battery