This is the worst kind of breakdown because not only do you have to reload the operating system but all the data on the drive is lost. Unless you have a good backup routine your data is virtually unrecoverable.
Take my advice buy a CD-Writer or sometimes referred to as a CD burner and setup a backup routine. Need help setting one up? Let me help you for a nominal fee.
If you are experiencing a PC problem I would be happy to setup an appointment to come to your home or business for a free estimate to solve your PC problem(s) or suggest a solution for your ideas.