Long story short, my husband fixed my GPU~ Hurray!

Actual long story:
He dismantled the cooler from the gpu, separated the fan from the cooler, carefully drilled a hole through the plaster cover of the fan through the center, added some machine oil to the bearings of the fan, reapplied thermal paste and put everything back together.

We haven't actually run many stress tests on it but the main issue seems to have been fixed. I have my working desktop again! Thank goodness - my laptop was lagging really really badly on that Turian Portrait I recently uploaded.

I still have a huge tuition bill I need to tackle though so I'll keep my reduced rate for the commissions. If you're interested please check out this journal for commissions~