Bob, this could be any one of a number of things - or a number of things all stacked up on each other.
Diagnosing electrical problems remotely is a dicey business, at best. But some more info from you would help.
Is it just the headlights that are out or other lights, too?
Do the front parking lights work? Turn signals? Instrument lights on the dash? Tail lights?
Is it the low beams, high beams, or both that don't work?
Any other electrical problems? Horn, windshield wipers, slow starter, etc?
The most common issues with headlights are bad switch and corroded ground connections. If it's 'just a fuse', it usually means more than the fuse is faulty.
Fuses don't wear out - they blow for a reason.