RMA it is what the answer you got off the Nvidia forums, it is the one you will get here, and I doubt you will find a different answer asking anywhere else. I gather it is undesirable for you to RMA it (or you would have done it months ago) so other solutions to the problem are what you are looking for, there actually are a number. You could ignore it untill the card dies and buy a replacement, buy a replacement and sell the curent one off as broken, pull the fan shroud off and make your own replacement (people have been doing this for years, quality ranges from PC fans held on with zipties and wiring covered with tape - to a huge 200mm fans (or bigger, they are very quiet for the amount of air they move) mounted on the case side feeding into custom ducts, get a replacement set of fans (85mm HA9010H12F-Z seems to be the aftermaket name for them, and they seem to be around the US$10-20 online) and fit them your self, get a aftermarket fan cooler that fits your card and bin the current one, or even go watercooled. So you have three choices, which are ignore it, fix it, or RMA it.