Hi Cheryl,
The underlying reason for Word only offering .pdf or .xps as save options and opening documents in Protected View is likely a misconfiguration or corruption in your Office installation, possibly combined with restrictive security settings. When these settings block editable formats, Word cannot allow normal saving or editing.
To resolve this, first, check Trust Center settings: go to File → Options → Trust Center → Trust Center Settings → Protected View and temporarily disable Protected View for files from external sources. Second, verify File Block Settings are not preventing .doc or .docx files from opening. Lastly, if issues persist, run an Office repair (Control Panel → Programs → Microsoft Office → Change → Quick Repair; use Online Repair if needed) to restore full functionality, including saving in standard Word formats and editing previously restricted documents.