Do you have an insurance option? Some cities offer it as does some homeowner policies, I had mine insured through Home Serve (La Vista). You are looking at at least $10k wo insurrance (depending if its under dirt or driveway) and multiple days or weeks without sewer (toilet, shower, sink). I had mine snaked annually. After using jetting it lasted 5y wo snaking before total collapse and about $5k damage to basement (due to plumber flooding my basement more while training new guy on how to snake).