1999 Volvo S70

My oil seems to be leaking on my car. It's a noticeable amount that leaves small/medium stains all over my driveway. Could it be something simple on a volvo or is most maintenace that has to occur (especially dealing with oil) an expensive mess? I was told that it's possible they will have to take out the engine to get to the leak.

99 Volvo S70
Automatic
65,000
Don't know the engine size.I'm a girl