|You haven't described the noise.|
The usual noise you get from a fan with failing bearings is medium pitched screeching and/or low pitched rattling sounds, most likely to be heard after the computer has not been running for a while and has cooled to room temp and then is started up.
The usual noise you get from a filthy fan or any fan that is rubbing on something is according to the rpm the fan is running at and is constant or it comes and goes.
Some mboards spin the cpu fan faster when first booted, then the fan spins slower and is quieter, unless the cpu is overheating. There may be settings in the mboard's bios Setup regarding the cpu fan speed and what triggers it spinning faster. Sometimes whether it spins slower and quieter depends on a program or settings in Windows - that may not work properly if the drivers for the mboard's main chipset have not been loaded in Windows
"Could the HD cable been loose creating the loud noise?"
"Perhaps the HD on it's way out?"
Usually if a hard drive is failing if you hear anything at all, it's a low piched thrashing and/or clicking sound and once it starts, it happens more and more often - it never goes away.
The only time I have heard a noise from a hard drive that came and went it was Maxtor drive of a friend's , and the sound was like a high pitched electric buzzer. That hard drive failed a short time later. We replaced it on warranty - the refurbished replacement failed a short time after another 3 years had passed.
You could test the hard drive, but it may test okay until the final stages of failure.
The mboard bios must be detecting the hard drive in order for it to be tested.
Check your hard drive with the manufacturer's diagnostics.
See the latter part of response 1 in this:
(thanks to Dan Penny for this link:)
Hard Drive Diagnostics Tools and Utilities
If you don't have a floppy drive, you can get a CD image diagnostic utility from most hard drive manufacturer's web sites, but obviously you would need to make a burned CD, preferably a CD-R for best compatibilty, on another computer if you need to.
"PC has been getting blue screen errors randomly after about 10 minutes of use. Weeks later, kid noticed loud noise coming from machine. I opened it up--full
of dust. Cleaned it out really well and found heatsink caked with dust all around...."
If the cpu frequently overheated during that timeand previous to that, it's also very possible the cpu is damaged and that's why the mboard isn't booting.
If you can't test the hard drive on this computer, test it when it's connected to another computer, but don't attempt to boot from it.