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NopeNo! It's not that difficult. Save your cash and do it yourself. You just need to put the vehicle into maintenance mode, which is a sequence of mashing down your accelerator and pulling the parking brake switch in a specific way. Use YouTube. Other than that, it's a regular brake job. You can get top of the line pads for $65.
Rear pads on the current generation Expedition wear faster than the fronts and yes 40,000-50,000 is very typical replacement point. If anyone tows trailers that could be lower. In comparison my Toyota’s were 1/2 that!! My non towing Subaru was 90,000 miles my towing subaru identical car was 65,000.$550? Yikes. First of all you shouldn't need rear pads at just 55,000 miles. Secondly Rock Auto and Youtube are your friend. I've got 230,000 miles on my 2001 Expy (bought it at 94,000 miles) and I've done the front pads twice now and the rears once. About an hour to an hour and a half per axle