1. visually inspect it yourself. get a flashlight. look at the belt, look at the inside part of it where the groves are. if you see white v shaped things,then the belt is cracked. but no need to rush to get it replaced if there are only a few of em, but if you see numerous cracks, replace em.
2. its usually in the car manual. but i heard its about 30k miles.
3. i searched at craigslist for a mechanic, he charged me $10 for 2 cars (corolla 99 and outlander 03). bought the belts myself at kragen for $12 and $18 respectively. i had my outlander's belt replaced at a shop one time and they charged me $93 and made me wait for almost 2 hours for a 10 minute job. i looked at how he did it, i think i can replace it myself, just need the right tools.