The Jeep: '97 TJ 4cyl auto, basically stock.

What's up: It's hard to shift into 4WD & 2WD. There is a gear type noise
when driving that was never there for the first 14 years. Did something
move in my driveline? Would it be cheaper to attempt to drive it 25 miles
to my repair shop or get it towed there? I'd hate to ruin something if it's
preventable.

Thanks in advance for any helpful responses.