Full body showing recolor

Hi, so I'm a complete newbie to CC, have wanted to try it forever and finally decided to do it. I've been following some tutorials on youtube, and was able to do my first recolor. I watched one on adding patterns and I swear I've followed everything the tutorial says, but when I import it back into the studio, the whole person shows up with the print and not just the clothes. I don't know what I am doing wrong! I'm using photoshop, and I think I have the layers right, my screen looks the same as the tutorial until I get it loaded into the studio. I've heard some mention of saving as .png vs. .dds, I've been using .png because I don't really know what difference it makes. I don't know if that has anything to do with it or not.