So how did you create those folders, if you cannot access them?
So far this does not look like a WinSCP question, but rather a permission problem on the server.

I am enrolled in a website design class that has me use WinSCP to post onto the school public forum so that my peers and instructor can see my webpages. I have encountered a problem that any time I try to login to the server I get an error code:3 and it will not allow me access into the folders I have created that will allow my work to be public in the server. If anyone has any recommendation or solution I would be very happy to hear. Thank you.

I have added a photo of the screen that comes up after I enter my password and then get denied access.