Should I repair or get rid of my car? and how much would it cost me? on 2007 Mercury Milan

I was told my engine is tapping so either my lifters are about to go out or my engine is about to die. I was told my oil was too thin and it has too much in it but I was under the impression I needed to have it changed since it is past the due date. My car tends to hesistate then it surges forward.

Asked by for the 2007 Mercury Milan
it depends if the engine is fixable or not