My Whisper power filter is VERY LOUD

I have to unplug it to get any sleep (it's ok I don't have any fish in it yet :P). The filter is for a 60 gal but the tank it came with is only 22. All in all--I'm doing it wrong.
I have some plants (including some floating ones) and killie eggs coming soon, and perhaps gourami, female betta, tetra, kuhli loaches, livebearers...not exactly sure yet. Saw some cute tiny pearl danios and some tiny barbs, forgot the name but they have a black spot w/ orange around it, would they get eaten?
Sorry, ADD, so my question is, what should I use instead? Are there quieter power filters? Should I get a canister filter instead? They're expensive and I hear they're hard to clean. If I did get a canister, would I need an airstone? should I get an airstone anyway if I use a power filter? If I have surface swimmers (clown killies), would they not like surface disturbance of a power filter?
Heeelp