nos_pwrd

Hi all, I am new to this forum and am trying to get some opinions in my current situation. I Have a 2003 ford xr6 turbo and a couple of nights ago I was driving home and I heard a loud crunch then all of a sudden the turbo is just making a loud scraping sound. I drove it back home whilst trying to accelerate as little as possible. started the car up the next morning and even on idle now it makes a very loud scraping sound so I am pretty sure its cactus... I have been told these models are known for getting clogged oil lines which leads to the turbo stuffing out. Called a few places today and I am getting mixed prices and a bit unsure what I should do. Some say its cheaper to rebuild the turbo if its not beyond repair, some advise go for a new one, I am getting prices of anywhere from $1650 to just repair to $2250 to repair and install, without knowing if any other complications could arise... and the cheapest quote I got was $3000 drive in drive out with a new turbo equivalent to what it already has ( which is just stock standard) I guess the bottom line is, are these prices fair? which way should I go? or want to know if anyone else has experienced this before and what they did etc.. I live in ringwood in melbourne so I am close to a fair amount of places, just cant seem to find the right way to go, and no one seems to want to install your own turbo (if I were to get one) for warranty issues... Thanks