It appears to need the password that unlocks your keychain. That's usually the same as your admin password (the one that you use to install software, same as your account login password (NOT your Microsoft school account login, unless you are sure that the two logins are the same)
Try unlocking the Keychain - - open yourKeychain Access utility, in your Applications/Utilities folder. You'll see the list of keychains there. Is the padlock icon next to Login locked? or open? It unlocks with your admin password. If you can't unlock the Login keychain, then you have changed the keychain password. It would be tied to the account that originally set up the system on your Mac.
If that's the case, it's usually easier to just delete the login keychain file, and let your Mac create a new one.