You have oil in your water what does that mean on a 1995 vw passat?
the oil cooler shoule be pressured tested, or to test it
yourselve disconnect the two ware pipes going to the oil cooler and
join them together. The car can now be driven once you have toped
up the cooling system. If oil leaks from the oil cooler out on to
the groud then the cooler is faulty. If cooler is o k then the head
gasket may be faulty