Picture of How to Repair a Computer Fan
If you have a computer fan that sounds like the bearing has been replaced with gravel, there may actually be a simple fix. All you need is a screw driver, a small pick, and some lubricant. In this instructable, I repair my GPU fan. However, the process should be nearly identical for any fan in your PC.
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Step 3: Lubricate

I used some Hoppe's #9 gun lubricant on my fan. It worked great. Add a few drops of lubricant to the inside edge of the fan. Rotate it around until it looks wet. Try not to use more lubricant than necessary. It helps to put the fan back in the bearing and spin it around a bit to get a nice even coating.

Step 4: Reassemble

Picture of Reassemble
Be sure the o-ring is still in place as you put the fan back into the bearing and pop the split ring back on. Add another few drops of lubricant to the fan shaft around the split ring and spin the fan around a bit. It should be nice and smooth now. Reattach the fan and turn it on. If all went well, it should be nice and quiet again!