Well we are getting closer but line 3 (if -d /home/$username) still isn't right. When I run the script i get this error > line 3: -d: command not found. I have played around a little bit trying to find something that will work there but no luck yet. Here is some of the options that it gives me following the error.
Usage: useradd [options] LOGIN
Options:
-b, --base-dir BASE_DIR base directory for the new user account
home directory
-c, --comment COMMENT set the GECOS field for the new user account
-d, --home-dir HOME_DIR home directory for the new user account
-D, --defaults print or save modified default useradd
configuration
-e, --expiredate EXPIRE_DATE set account expiration date to EXPIRE_DATE
-f, --inactive INACTIVE set password inactive after expiration
to INACTIVE
-g, --gid GROUP force use GROUP for the new user account
-G, --groups GROUPS list of supplementary groups for the new
user account
-h, --help display this help message and exit
-k, --skel SKEL_DIR specify an alternative skel directory
-K, --key KEY=VALUE overrides /etc/login.defs defaults
-l, do not add the user to the lastlog and
faillog databases
-m, --create-home create home directory for the new user
account
-M, do not create user's home directory(overrides /etc/login.defs)
-N, --no-user-group do not create a group with the same name as
the user
-o, --non-unique allow create user with duplicate
(non-unique) UID
-p, --password PASSWORD use encrypted password for the new user
account
-r, --system create a system account
-s, --shell SHELL the login shell for the new user account
-u, --uid UID force use the UID for the new user account
-U, --user-group create a group with the same name as the user
-Z, --selinux-user SEUSER use a specific SEUSER for the SELinux user mapping
I really don't know what else to do at this point. I am going to take a break from it and come back to it tomorrow.

Maybe a good night sleep and a fresh mind will help me out.