I got a tech from my provider to come out to the apartment and check it out. He reported that many people in my complex have been reporting problems, but they can't seem to figure out why the speed is an issue. He had all these bandwidth charts and stuff showing that they're not anywhere near the cap. On the bright side after he left it started speeding up to normal cable modem speeds and behaved well throughout the night.
I'm supposed to run some speed tests and a tracert to send to them if the speed problem keeps happening to help them figure out where and why the problem is occuring. Technology just hasn't been kind to me this week.