What is the difference between belief and faith?
Belief is accepting a teaching as true. The Urantia Book draws the line higher: belief becomes faith only when it motivates life and shapes the mode of living. Belief fixates and holds; faith liberates. You can hold beliefs all day; faith is what holds you.
In the book's own words
Belief has attained the level of faith when it motivates life and shapes the mode of living. The acceptance of a teaching as true is not faith; that is mere belief. Neither is certainty nor conviction faith. A state of mind attains to faith levels only when it actually dominates the mode of living. Faith is a living attribute of genuine personal religious experience. One believes truth, admires beauty, and reverences goodness, but does not worship them; such an attitude of saving faith is centered on God alone, who is all of these personified and infinitely more.
The better next question
What is the Thought Adjuster?