If, when you are looking through the viewfinder, the dust is "in focus", then it's on the focus screen. If it's blurry and out of focus, then it's just laying on the mirror surface. Do not, I repeat, do not try to clean the mirror with anything more than a puff of air from a bulb blower.
And there's almost always some specks visible in any SLR viewfinder, if not from new then after the first couple uses. It usually is meaningless and what you see in the VF won't show up in your images.
You could probably take the camera to a local camera repair shop and get it cleaned, if you wish. It would be cheaper than shipping, I suspect.
Me, I don't shoot at f22 anyway... So those tiny specks on the sensor aren't really an issue. Try a shot at f8 and f11... any smaller aperture than that (on a crop sensor camera) starts to induce diffraction and your images will suffer. With f8 and larger apertures, any tiny specks on the sensor will pretty much disappear.
You are just freaking out because the camera is new and pricey.
Eventually you'll need to do cleanings yourself (read up and learn how to do this properly.... a good place to start your research is at www.micro-tools.com, which also sells various proper supplies to do the cleanings).
But for now you might be best taking it to a professional technician at a local camera repair shop. Most don't charge very much for a cleaning service.
Otherwise, just go shoot pictures. Use realistic apertures. And learn to retouch in post processing. That's been part of the process of photography since they were shooting with glass plates. (Lightroom has a really cool tool to correct dust spots... It can even fix a batch of images that all have the same dust spots, with a single click.)
By the way, back in the days of film it could be much worse. Specks of dust could cause scratches on an entire rooll of film, which were a real pain to retouch.