Dont feel bad, I'm a Noob too, and I'm on my 3rd round of germination (bag seed till I get it right). Having the same prob's as you. I've been reading different threads for hours each night. I've come to the conclusion that I am overwatering too. Now I'm germing in paper towel, then putting it in sm rockwool cube after "Soak it and then swing it in your hand like 4 times really hard so almost all the water is out" like Hydrokronics said. Then into my new heated germination station with a 6 in vented lid open, directly under a 4 ft shop light (1 inch above the lid, 24/7). I plan on keeping the bottom of the tray wet to keep the humidity high and NOT watering the cube unless it REALLY needs it. I believe the rw cube will get all the water it needs from the humidity. I plan on keeping it there until the 3rd set of true leaves start to appear(7-14days?), and absolutely no nutes. Last time I took the lid off and fried the 1st set of true leaves. Once the 3rd set of true leaves start to show, I believe the roots should be good enough to put into my hydro system, and start with the MH at the top and bring it down slowly to get them used to the light.
From what I have been reading, the max light a seedling/clone can use is 375 Lumen. In veg, 1500 minimum/2500 max. and in Flower 2000 min/10,000 max.
So I believe you need to wait until after you get the second round of true leaves before introducing her to her new home.
If anyone can confirm that, you could save Jizz and I alot of trouble, then we can work on the next set of problems....