Here is a selection of links/videos that may help:

http://www.google.com/search?hl=en&c...q=f&oq=&aqi=g9

If you can fix this yourself by adjusting the barrel screws / limit screws / cable tension, go for it, or if there's a bike co-op near you that can help you out, that would be awesome.

This should not be too hard with a little time and some SMALL corrections. (Especially if you read this first - http://sheldonbrown.com/derailer-adjustment.html)

If you do think about bringing it to the shop, call first for a quote. If they can sort it out for $15 or so, great, but if it needs a full tune-up, you might consider selling it on craigslist and buying an older, higher quality road bike for the cost of your bike plus a tuneup. (I'm the last guy to get into bike snobbery, but a 29lb aluminum road bike with 2nd rate components is not generally a recipe for happy riding, especially when there are other options available.)