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The engine stops immediately and if you are driving you also loose your Power Steering and power brakes making it difficult to steer off the road and stopping requires very hard pushing on the brake pedal. But you just grip and brake safely off the road if possible. If you try to start the engine with your key, it will just have a fast whirring noise as the starter freewheels because it is no longer connected to the belt and thus to the engine. Depending on the make, you will have to replace just the belt (and they will recommend to replace the water pump as well because it is in close proximity to the TB repair work and you save some in duplicated labor. Your call on this). This is $300-1000. If you are unlucky and have damaged pistons, valves, cylinder head or pushrods as well, your expense will obviously be substantially more. Good luck. If it is not yet broken, have it replaced pretty close to the mfg recommendations. You are playing with fate if you elect not to do it until it breaks. Inconvenience, bad location, on the road, potential greater expense. You have to make the call. If you don't have the bread, drive easy and pray until you can have it done. Will it break at 97K or last to 190k? You might Google that question and play the odds.

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