You're going to get a wide variety of answers on this one, Zendra. Different traditions and cultures have their own answers -- I'll give you my opinion but I definitely recommend you take a course in theology and hit the books to find your own path.
...the guy speaking said we are all worthy of gods love. But then later our group leader was talking and said that no one deserved it. Which is it?
I believe we are all worthy of God's love -- we are all human beings who were created in His image, but further than that we are all fallible and everybody makes mistakes. I believe God loves us as his children, just as a Father or Mother loves his/her children unconditionally.
But in the bible it says that if we don't accept Jesus we will burn forever.
Here's where I'm sure a few people will not be too happy with my answer. Whether or not the entirety of the bible is divinely inspired or not it was written by people (fallible people!). What scholars generally agree that Jesus said is somewhat different than the picture we get in Pauline Christianity. Remember: Jesus was Jewish and in Judaism there is no intermediary between you and God (although there were ceremonies involving the Temple).
Throughout history different religions have used fear tactics to help convert numbers of people. I think saying that failure to accept Jesus = hell is inaccurate and crude theology from a loving god!
In my view, it is far more important to be a moral human being than a Christian, Jew, etc.
Speaking of hell Iv heard some say that is an actual place while others saying it is not knowing Jesus.
"Hell" in Hebrew is "Sheol" but I think it was mainly a literary/poetic device for isolation from God. I've heard several rabbis say that Judaism does not have heaven and hell (although there are certainly concepts of it in the literature), but rather closeness to God. If you are a moral person you will be drawn near to God, but if you are not then you separate yourself from Him and that's a painful, lonely existence.
In my opinion, it's important for you to read as much as you can (scripture, apocrypha, archaeological and anthropological books, etc) about Christianity and its origins. These will give you a good grounding to understand what's in scripture and what the biblical authors were referencing (hopefully, at least!).