If your rabbit is at least 5 or 6 months old and you aren’t seeing any testicles, then it likely is a female.
Your rabbit’s problem could possibly be ringworm, which is a fungal condition, and has nothing to do with worms. In any case, she should see a vet, for a proper diagnosis and to get treatment. The longer you wait, the more severe the problem could become. Your rabbit will likely have some medical concerns throughout her life, which will require a vet visit. That’s going to be the case with any animal, so you need to be prepared for vet costs. You also need to find a good rabbit savvy vet in your area. Some vets participate in a program called Care Credit. If you pay a minimum balance every month, there is no interest.
It sounds like you might be new to having rabbits. If you click on the BUNNY INFO link at the top of the page, you will find a lot of great information on all the basic aspects of rabbit care.