its likely the shutter will fail at or about that number of actuations, some last a lot longer, some can go a lot earlier !!! (and this goes for all DSLR) and yes its a matter of getting the shutter replaced, it can work out more cost efficient to just buy a new body though, depends how many shots you take a year and how long the original lasts. Depends ont he orginal cost and how much the shutter costs, not sure on Nikon proces but think its about 200 quid for a canon one ?