Let me see, if I can answer some of your questions, and get you going in the right direction.
i dont know what a lilo propt looks like,
This is a boot prompt, it appears just after the BIOS hardware checks have completed, and before the Red Hat system starts to load. It is a boot manager, and can be set up so you can load more than one operating system. There are two common ones used with most linux systems, lilo and grub. Look for a text screen offering you at least one operating system. The up and down arrow keys will move a highlight to indicate which OS you are selecting. Even if you have only one, lilo may appear. Three are configuration parameters you can adjust the amount of time it is visible. It may be there for too short a time for you to see it. If the OS is loading, then it becomes less important.
No problem, since you found this board. On the right hand side of most of these pages you will see a link for 'Download Linux'. If you need a disk, you can download one, to a windoze system and burn it to a blank CD. The instructions are all there.
This is the user that administrates the system. This user has access to all files on the system. It is usually password protected, as you have found out. Regular users have access to use installed programs, and their own files. ( Unlike a windoze user that can destroy the whole system.
by giving me simple non-computer guy instructions.
I wish I could. The fact is there is a learning curve to using any linux system.
Now for your problem. It is possible to get control of the "lost or never known by you passwords". The way it is done, is to boot the system with a boot CD. This becomes difficult if there is no CD drive. ( but not impossible ).
Once booted, there are files to edit. By far the most simple way would be for you to buy, beg, or burn a Knoppix CD. Knoppix has lots of tools, that are easier for a novice to use. I have a book call 'Knoppix Hacks' that came with a Knoppix CD. It is well written and has instructions on how to fix lost passwords. Most major book stores will have a linux section. Go there, see if you can find either this one or another similar book. Publisher is O'Reilly and the author is Kyle Rankin.
Take your time, do some reading, and you will gain access to the system. This is the best advice I can give you.
You will find Red Hat is a serious system, meant for business. By design it is much more secure than any windoze system you will ever touch. Do not expect it to be trivial, it is not. If you need something quick and dirty, you might be best advised to look elsewhere.
Hope this helps. Feel free to post any questions.