By Paul Kurtz

PHILADELPHIA (CBS) — The sticker shock that often comes with vehicle repair is that it is too much to afford for many Americans. That’s the upshot of a new AAA survey.

The study found that an estimated 64 million drivers have to cover their repair bills with credit cards because they don’t have the cash on hand.

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AAA’s Kathleen Miller says vehicle maintenance is something we should factor into our budgets.

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“Putting aside maybe $50 a month could be a start to that type of savings because we’re looking at the average repair bill being between $500 and $600 dollars,” she said. “And so putting away $50 a month would help you cover that.”

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Also, sticking to a rigid maintenance schedule will save you the whopping cost of a roadside breakdown and repair job.

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The study finds that about a third of U.S. drivers put off recommended vehicle maintenance.