Maintenance shedule says changing timing belt every 60k miles, which is on the safe side
Since Camry has a non-interference engine, many people choose to change it much later because a broken timing belt is unlikely to bent the engine valves. But I would recommend following the manual to avoid breakdown on the highway.
That's what maintenance is, avoid possible trouble before it happens, but it does not mean the car will be dead if you do not follow the schedule strictly.
