All the monitors are set to off under the advanced properties. I get the endless echo with game audio and chat audio.
Hmm... OBS should not be outputting any audio then, but you're still getting the echo?
If I turn the desktop audio off the echo goes away but then obviously cant hear anything.
I'm pretty sure you've missed something. Can you post some screenshots?
Weirdest thing is it worked the night before last and I didn't change anything lol now just the endless echo
THAT could be because you're still using "Default". That setting is only useful to prove that a fresh installation works. The same thing that makes it useful for that, is also a ticking time bomb for everything else, that goes off in the form of everything working just fine and then breaking for no reason at all.
The reason it breaks, is because "Default" defers the choice of device to the operating system and whatever logic *it* has. Often, it'll select the last device that appeared, whether you plugged it in or it was asleep and just happened to wake up. It can't tell the difference. So a mic that is always plugged in, might "just not work" all of a sudden, because a bluetooth headset that you don't use, somehow happened to connect just before you went live.
Or, maybe you do have different selections for your Monitor and for your Desktop capture, one directly and one as Default, and you unplugged the one that Windows used to have as Default. Or it went to sleep, or disconnected, or whatever. Windows automatically switched the Default device to something else, which happened to be the same one that the other connection in OBS is set for directly. So now they're looking at the same device. Same device = echo.
ALWAYS select a *specific* device in your audio settings! Do not use Default!