Hi itsyaboikacy and welcome to the MKZ Forum. What model year, engine, miles etc.? Assuming you are out of warranty, my best advice would be to get a second and possibly third opinion. For example, another Lincoln Dealership and an independent shop? Do you have a local/independent shop you trust, or can ask a friend/family member for a recommendation?
Tell them about the issues, and let them perform an estimate. Do not tell them you visited a Dealer already, or what the first Dealer told you about the turbo.
Let us know how you make out and good luck.