I've got no real answers, but Tom has a point. Phone some reputable shops
in your area and ask for quotes for replacing the clutch, pressure plate,
throwout bearing, and flywheel.
Consider that you're responsible for the $7281 no matter what.
Consider what the vehicle is worth in its current condition.
Consider what the vehicle is worth after it's repaired.
Once you know the above, you can make the decision that hopefully costs
you the least money.