I have an 07 V6 with 62000 miles on it and I just had the fluid changed by the dealer. I have always done fluids before, like my wife's minivan which has a drain plug for the transmission fluid. But, the Gen 2 Sport Trac's don't even have dipsticks! The fluid on the Gen 2's has to be siphoned out, I believe. So, yes, most likely you have to take it to a dealer or local shop.