Haha, you're still in school!
Sorry, just graduated High School four months ago, still abit high off that.
Anyways, I started with Gamestudio four years ago. I was 15. My only computer skillz at the time were in basic HTML. Now I'm somewhat good at it. I just experimented around with GameStudio. I have an RTS in the works (on hold due to college, Aviation Flight Ops major doesn't leave me much free time) right now.
It takes determination. if you are willing to stick with it and experiment, you can use this program.
My advice is to start making small games, do a few tutorials, do a few experiments, mess around with C-Script and eventually you'll get it.
And you won't find a free 3d game engine that works very well. Gamestudio was pretty cheap at 49.