what username and password do I have them enter? I tried using the site's admin username and password and it didn't work.
ssh to Database? What do you mean by this? that People are able to execute MySQL commands through command line instead of the web browser?
Ok, so yes you can enable ssh for your users. But this is not always a good idea, as a locale user can do a lot of things. But if you really want SSH you can use the ssh chroot trick.