I posted the solution that worked for me below, but it's buried now with people that reinstalled windows and called it a solution.
Basically this is a failed patch install. The solution I found was to reinstall the newest Windows patch over the top, and it fixed everything and I was back to before the issue happened.
- Download latest Windows full patch, right now I believe 1803 or 1809, which will be a .ISO file.
2.Extract all files from the patch onto a thumb drive. All this must be done on another computer.
3.On defective computer, hit CTRL+SHIFT+ESC to bring up task manager. You may have to click "more options" to see menu.
4.Under File menu, top left, click "run new task", and "browse". This is the only way I was able to access my file system.
5.Find your thumb drive with extracted Windows patch, and run the Setup file. This will kick off the patch like normal.
After reboot you will be good to go. This has worked for 2 computers now for me, so I think it's the fix.
If this works for you, please give feedback so it doesn't get buried again. Waste to see so many struggle still.