Hello, "white stuff in oil" is unfortunately too vague to know how to answer the question. You'll need to see a shop near you, show them what you are speaking of. Are you seeing a white - creamy colored substance on the oil fill cap? This could be as simple as condensation in the crankcase building up.
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www.repairpal.com/repair-shops
RepairPal Certified shops can diagnose and repair your 2010 Lincoln MKZ. They provide transparent pricing with a minimum 12-month or 12,000-mile warranty on repairs and services.
