I am told that I have a shutter problem and it

Unfortunately this might be right. Usually the replacement part alone is worth more than the entire camera new. That's very common on quite a few electronic devices. One of the worst examples of this I've seen was was a quote for a $200 replacement printer head for a $49 printer. As well you can expect to pay labor on top of the actual parts cost so the repair cost quickly adds up. I would check for warranty if any and if you can't get that covered look at a new camera. Like most digital devices the newer ones tend to be as cheap or cheaper with better functionality. So for the same cost of repair or very close you could just get a new camera that is better (and with warranty)