Advise needed

[lanzarote wayne]

First thing you need to know is I live on a small island a 10 hour ferry ride from the nearest dealership
I have oil in my coolent
No water in the oil
My local garage says it’s head gaskets and want more than the car is worth to fix it
Is there an easy way I can test it
Looking around I think it could be the oil cooler
Thanks in advance

 

[Fastcar]

That would be my first guess as well