I finally called a local sewing shop and essentially begged for help.
The gentlemen who took my call was really nice (considering it's store policy not to provide this type of assistance unless you purchased your machine from them.) and at last help!
He finally let me bring the machine into the store tonight. It took 10 seconds for him to put in the bobbin.
Did I ever feel stupid.
O.K. next step. Putting thread on the bobbin and threading the machine...easy right?