2wd kills it for me :sobbing:
BUT I agree with others, you could get a $800-$1000 Civic or something, and just use that until this is fixed. I have a '97 Civic with 211,000 that I drive on long commutes / when MPG's are a factor, and then use the 4Runner for everything else. I know a rental car is ~$80/day, so they add up pretty fast (even though you're not old enough for one). I'd fix the 4Runner, man, these things aren't worth nearly as much when they have a major repairable issue like that.
How are you sure that the head is cracked? EVEN if it is - you can get one off of RockAuto for ~$500. Not THAT bad, if the car will give you many years of reliable service afterwards. My GF just had to drop $1,500 to put a reman transmission in her Accord, although it has given her 285,000 without grief, so I'd say that's just a drop in the bucket.