I've tried everything but cotton keeps on looping from under the material

tighten your tensioner knob until it break the thread when sewing on scrap material, then slowly loosen tension a quarter turn at a time. keep doing this until you have perfect stitches.

Sounds like bird nesting.
The #1 thing is to install a brand new needle (old, worn, nicked, or bent needles can create a lot of havoc).

Remove all the thread from the machine. RAISE the presser foot and rethread from the beginning verifying that it is threaded correctly. Make sure the bobbin is loaded and threaded in the bobbin case properly.

WHY IS THREAD BUNCHING UNDERNEATH MY FABRIC

Why Do Get Bunched Up Thread Under My Fabric

8 Tips to Fix Birdnesting in Embroidery
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It sounds like you have what is referred to as "thread nesting" or birdnesting. If the upper thread is actually creating a mess under the fabric, then the upper tension most likely needs to be tighter.

Here are some other suggestions:
Sewing Machine Thread Bunching Up Here Why

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try removing needle thread completely and re threading the machine with pressure foot down. as sounds like top tension not working or simply too loose

I have this manual . I will send it to you. get me your email or an address Thanks cyndee

Loops on bottom indicate a top thread tension problem.

Make sure needle is the correct size and not bent or broken
Make sure it is threaded properly with the lever UP.

Do a test stitch.

If it still loops below... tighten the top tension and do another test stitch... keep doing this until the stitch is balanced.

BTW... always grasp and hold both threads when starting a seam.

Normally to gather fabric, you select the regular straight stitch, turn the stitch length up to maximum (4 or 5 usually), and stitch two rows of stitches, one at 10mm from edge and one at 20mm from edge.

Then gather by pulling the bobbin threads (underneath ones) from each end to gather the fabric. If doing lengths of more than 1 metre, then stop, leave long thread tails, and start a fresh length of gathering threads to avoid gathering long lengths of thread which might break on you.

If your machine has a basting stitch it might look like " .___.___.___" on the dial however, I've never been that happy with machine basting for things like attaching slippery fabric to underlining, I've always done it with needle and thread to keep the two layers matching and not stretching/slipping. For example, stitching a piece of chiffon to a underlayer of satin, even pinning carefully, these two fabrics will slip under the machine foot so I'd always do it by hand.

If you have masses of fabric to gather, sometimes what is quicker is doing a large wide zig zag over a length of perle cotton (heavier than thread) at the 15mm seam, don't let the needle pierce the cotton though. Then you can gather the fabric along the perle cotton.

Sewing machine instruction manual often assumes a knowledge of sewing techniques that you may not yet have. I have the Vogue Book of Sewing on my shelf and refer to it often. Or Singer do a good range of sewing books too, its worth investing in a good reference book.

I also love www.patternreview.com, this is such an awesome website for dressmakers/sewing enthusiasts and you will find loads of helpful tips here.

Hope this helps you a little.

I think you are suposed to use the left hand guide above the needle. The right hand guide is used when you are using a twin needle. See if that helps.

probably wrong size bobbin

Try a different needle, matched to the weight of your fabric.