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Sorry, you have to remove the rotor completely. There is absolute no way to get the old studs out and install new ones without removing the rotor. The hub has to come out, because the nuts holding the rotor on to the spindle are behind it.
The rotor is behind the hub flange. So if you can't get to the studs you just took out from behind, there is no way the rotor is going to move out to get to them without taking the hub off.
ok thanks all this info is really helpful and its gonna cost me so much less for me doing it my self and not havning sombody do it for me. its just gonna take longer for me to do it but hey ill learn somehow huh? thanks again guys!!