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You'll get lots of guesses.
If you want a diagnosis suggest you ask here for a recommendation of a competent, honest Indie in your area.
A typical WAG would be idler pulley bearings(simple and cheap). If so & you neglect it, it could destroy the engine when the bearing seizes and the Serp belt hops off the w/p pulley.
PCNA may have a suggestion for an Indie?
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