Fusers generally make grinding noises more than cartridges do. If your paper jams are in the fuser area, check the fuser first.
When you open the left side door of the printer, the fuser is installed on a shelf near the top of the cavity. To remove the fuser, grasp the left and right blue fuser release handles and rotate them to the straight up and down (vertical position. Then lift up on the fuser and remove it from the printer.
Take a close look a the at the gear located on the top left corner of the fuser - does it have broken/ bent teet or is it loose on its mounting shaft? If so, that's probably causing both the paper lams and the grinding.
Also look in the printer directly under where this gear would be if the fuser were inserted in the pinter. Do tou see a build-up of fine particles the same color as the fuser gear. If you do that's further proof the the gear is bad.
You can but a replacement fuser at several places - check out www.printerworks.com
& you can get one on an exchange basis.