On Windows 10 on a Surface Pro, Set Up OneDrive is not allowing me to designate my email as a 'Personal' account. Set up fails.

[HarryS-NJ]

Recently, the OneDrive on my Surface Pro 3 stopped working. This device is limited to Windows 10. I downloaded Microsoft OneDrive and am trying to do the function 'Set up OneDrive'. I put in my account email address and the screen says "This email address is used for both OneDrive and OneDrive for Business. Which would you like to sign in to first?". I am using my personal email for personal purposes but the 'Personal' button is greyed out. The only option is 'Work or School'. When I try to use that it brings me to an Office 365 screen and does not accept my personal email saying "this

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