I have 25.00 on my Apple account.. and I can’t load any music

It would help us help you if you told us what it said when you try.

Apple says: "Some purchases might require that you have a credit card on file, even if you use your Apple ID balance to make the purchase." - from: What you can buy with your Apple ID balance --> https://support.apple.com/HT211187

For a variety of reasons Apple will almost always require a functional payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't totally free (so, for example, a "free trial" that turns into a paid subscription isn't ' free'), even if the item will be paid for with Apple Account balance. The only solution to satisfy this requirement is to add a valid payment method*.

This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on a Mac or Apple mobile devices; click here --> https://support.apple.com/HT201266