I loaned my camera (Nikon D40) to my brother so that he could use it on his honeymoon. I showed him how to use it and how to care for it. He seemed to understand my instructions. When he returned my camera all appeared fine until I looked into the viewfinder and I found it to be FILLED with lint, dust and other particulates. (Yes, the viewfinder, not the sensor, not the mirror.
I took some pictures with it and I found copious amounts of dust and dirt in my pictures. I inspected the sensor and I found that there is dust and particulates also. I know enough not to touch that in any way.
Here is a sample image
I assume I have to have it professionally cleaned. Is there a recommended course of action I can take myself to rectify these problems?