Every digital camera I've ever had recommended the memory card be formatted in the camera, using the camera's own software. I'm sure your camera's "tools" menu will allow for formatting the memory card.
If you're new to photo editing programs, then I'd suggest obtaining Adobe PhotoShop Elements--the earlier the version the better. Reverence to earlier versions being easier to use being said, there is one particular feature in Elements version 8 and later I like and use quite a bit. If/when you have Adobe PhotoShop Elements, feel free to contate me at: gizzy.whicker@gmail.com and I'll do my best to get you through the rough spots. Jerry