jack it up and take the wheel off, much easier to see it then...

 

Yea I had my wife bring up my spare truck a 97 mountaineer awd. Its a gas hog, but its keeping me working. So I have some time to figure out what to do. Towing home would be pricey 120+ mile tow. Think Id sign up for AAA and wait a few days lol. Gonna try and get it jacked up and wheel off to take a better look at things. Just have to get off work before dark. Thanks to all so far for suggestions and help and to swartlkk for the great breakdown of all the parts. I will update when I can get wheel off and some better pics/info of what I find.