On Saturn Ions, it's been the starter switch, but those tend to fail open, which would leave the fuse unblown. (The switch is Saturn P/N 10392423)
Check your oil; if there is none it will be hard to crank. Starters also go bad over time, so you would expect that either the starter motor has come to draw more current and do nothing or that the solenoid has a short in it from some kind of damage (to the wires or the thing itself.) The car's computer probably has an opinion on this if you happen to be able to buy or borrow an ODB-II reader (and/or software so you can get a nice report on your computer.) In any case what you'll end up doing is removing the starter, stripping and cleaning it within reason (no rewinding wire,) replacing the brushes and testing it at the parts store before reinstalling it.
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