Hi Brian - I can actually help with that. Rufus will create a bootable USB drive with the Windows installer loaded up and ready to go. Download Rufus here:
You can just download the portable version of Rufus - no point in installing it on a Windows install you're about to delete :)
Once you download it, start it up. You'll see a dropdown for "device" - use that to select the USB flash drive you want to use. Below that you'll see another dropdown that says "select" - pull that down and select "download" instead.
Once you've selected "download", click on that same box where it says "download" - that will let you select Windows 10 or 8.1. Select "Windows 10" and then you'll see a dropdown to select which version of Win 10 you want to install, everything from 2004 all the way back to 1507, and everything in between.
Tell it which edition you want (Home/Pro or Education), the language and architecture, which should usually be x64. Click on "download", and then settle in for a bit while it downloads the .iso and builds the bootable drive. Once that's done, you can set your compuuter to boot from the USB and reinstall Windows.
PLEASE be sure to back up any important files before you do this - anything on your disk will likely be lost during a clean install of 1909 or whatever.