My understanding of FTP is that it stands for "File Transfer Protocol", which just means that it's another way to download (and upload) files. Any kind of files can be FTP'd--documents, text files, graphic files, even computer programs.Your browser (Internet Explorer, Netscape) can often download from an FTP server, all you do is put in the web address (it'll say "ftp" at the beginning of the address instead of the usual "http".) However, if you are required to log into the ftp server using a special username or password, I don't think that your browser will handle that.
Also, if you want to upload, or send files (files that you've worked on, for instance) back to up to the ftp server, you'll probably do well to get an ftp program. There are a lot of them to be found on Download.com (just search for "FTP"). Some are free, some aren't. My favorite of the non-free type is "Cute FTP". (I am assuming you are on Windows. If you are on a Mac, the best FTP program is Fetch.) There are plenty of free ftp programs too--WS-FTP is the most popular, but it never was my favorite. But hey! It's free!
As far as learning how to use an FTP program, they are all a little different, so I'm not sure I could direct you to a place which will give you information without knowing what FTP program you use. But basically, it'll have an ftp "address" that you'll need to fill in (provided by these places that want you to use FTP) and probably a username and password. When you log in with FTP, you can then "browse" (as much as you are allwoed) around the files there and download what you need to download.
Hope this helps!
[ 06-18-2003: Message edited by: Bear Clover ]