Thank you for the fast response. I tried your idea, and used the male model in the sculpting room and added loop/polygons around the arm in the retopo room and it worked fine. It seems to be only not working on my mesh. I had no problem retopping the head and neck and ears, on my own personal mesh, so I don't know why only the arms are not working. I will keep trying...
Found a solution: The loops (orange lines) duplicates when drawn, in my case. I deleted each loop, and a one still remained. Then I pressed enter and the polygons work correctly. Thought I would add this in case any other newbs have this problem.