Both

That doesn't even make sense.
If you die you either go to hell or purgatory, when you spend all of your time in purgatory then you go to heaven.

I thought you just go to heaven or hell immediately.

That actually is what about probably 80% of christians believe.
But when you die you still need to repent for your sins. So you will be in purgatory and you will rely on the prayers of people to get you to heaven, the pain according to Christine Niles is just as painful as hell, but in the end you will get to heaven after.

Well I know that you do need to repent, but i was always told that when you accepted Christ and repented, you would get to go to heaven

Yes a lot of people seem to believe it.
I am not going try to change the way you believe but if you have any questions don't be afraid to ask.

Here is a link explaining it in more detail.
https://www.catholic.org/news/hf/faith/story.php?id=87307

alr thanks