Hello Coco Blossom,
Thanks for your question.
If you lost access, for Microsoft Accounts you can only login via your recovery methods (Recovery codes/alternate email or what you set at the beginning). If you did not set these, then you may alternatively have to attempt an account recovery using https://account.live.com/acsr
For Work/School Account they can only be reset by your Admin. You will need to contact your Admistrators for the apps to help you.
You can mark it 'Accept Answer' and 'Upvote' if this helped you
Regards,
Abiola