This varies from model to model.
Check that with the largest rear sprocket, and the largest front sprocket that the derailleur lower arm is not pointing straight forward,and smallest front and rear sprockets selected that the the derailleur is not all of the way back, and the chain is loose (Hanging slackly)
The new chain will come with links to spare, and you will have to cut it.
SOURCE: I have a 18 speed
It's just a regular bike. Any manual would work. Try http://www.schwinnbikes.com/support/owners-manuals.
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