Hi I am Stefan and will give you the best advice I can today.
It seems like something got changed in the Bios preventing you from logging in. I will honestly tell you unless you can find a tech online who knows what your Bios looks like you may need to take it to a repair shop to have them fix it for you. It definitely is a Bios setting from your description. Unfortunately this is probably not what you wanted to hear but honestly your best solution.
I took a very basic computer repair course a couple of years ago so I know enough to know that this is serious.
As far as taking it to a repairman It is not feasible. This is a
refurb that I paid $175 for three months ago. I think my only hope is to buy a service contract from HP and hope that they can help me.
Did you not get any warranty on it. Normally any reputable seller should give at least 90 days.
Sorry I could not be more of a help.
The warranty would not cover something that I did. Thank you anyway.