Nothing is lost. Everything is on your computer and can be put back on the phone.
Turn it off, wait five minutes turn it back on, at the same time turn off your computer and restart.
Plug in the phone DON”T touch anything, let it do its thing.
Restore if necessary, if not just let it update.
I had an Iphone 3G that accidentally got water on it and the USB cord started smoking when I tried to update the phone so I quickly got the cord off before it caught fire. LOL!
You need to also own a computer in order to use an iphone? Wow! What a scam!