I'd recommend going with the music route. When I can't sleep I usually turn on the classical channel at DI (
http://www.digitally-imported.com), and that helps a lot. Fans and other background noises also help (my computer is pretty loud, so that works).
You could probably be put on a waiting list for housing; at least at UMD the list is pretty popular, but you might still have a chance. Off-campus apartments are also a possibility if you keep your eyes open.
Have you tried excercising? Finding time in your schedule to exert yourself through running or aerobics for an hour or so is not only physically beneficial, but also puts you to sleep better.