Clutch or a Belt going bad?

Well where to start. A few thousand miles ago I thought that my clutch was wearing and slipping. The dealer said it was fine so I brushed it off. In the morning when its cold I get a squeaky noise like a belt is slipping and sometimes I get a high pitched whine when I idle down.

Today at the car wash I noticed that when I put the clutch in that it made a sqweaky noise like when its cold, but only when the clutch was engaged for the most part . I hope its not my clutch because I'm only at 17K and don't want a big bill before spring break.

<Rant>Also side rant because I have to say it: New emission testing of the gas cap and Inspection sticker cost me $65 bucks in Erie, PA and I needed nothing. Also I have a cut in each of my rear tire treads (the Goodyears) I guess and wouldn't have passed inspection if not for my studded snows being on. </Rant>

Its a pretty loud sound in the cabin enough to be annoying and make me worry lets put it that way.