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Sounds like the WP is gone. But I am surprised that it isn't leaking. A big enough shaft play that you can see, is usuallyl more than enough to create a leak!
WP can be changed on the car. It isn't a pleasant job, but people do it all the time. WP should be changed every other timing belt. So, you should change it at 120k and 240k. I wouldn't change a belt with only 20k miles, but that is me :).
While you are there, check the condition of the main pulley (aka hormonic balancer), they tend to separate on older cars.
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