Hello Chris and welcome.
One thing at a time now, and keep a cool
head. :-)
Remember that with enuff time and effort anything can be fixed, and with some imagination applied along with the sweat, often for a very reasonable cost.
But doing so requires that you either DO think in a linear, systematic fashion as a matter of habit, or
work on doing that until it DOES become a habit. EVERY sailorman needs to think linearly and systematically :-)!
The Irwin 34 is a pretty conventional boat. It is
wheel steered and it has a spade rudder hung from a rather vestigial skeg. So the first thing you gotta do is turn the
wheel from stop to stop. Does it feel "normal"? No "hard spots"? No "hang-ups"? You can expect there to be 3 1/2 to 4 turns from stop to stop.
Under your
cockpit sole ("floor" to landsmen) there is something called a "quadrant". It's a metal casting shaped as part of a circle. You gotta get to where you can see it working. You should be able to get at it either through a
hatch in the sole, or possibly via one of the
cockpit lockers. The quadrant connects to the wheel by means of a coupla wires. So when you can see the quadrant, you can see if it works in unison with the wheel or if maybe the wires are broken. They are tedious to fix if they are, but it's something you can well do yourself for little cost.
The quadrant attaches to the top of the rudder "stock" (the axle to which the rudder blade is fixed). If the quadrant is loose on the stock, it will be pretty obvious, and again it will be something you can fix yourself. Maybe with a little help from us if you are not familiar with this kinda
work.
If you are good so far, you gotta go for a swim. In Florida's you can do all you need to do for a preliminary exploration by free-diving or using a snorkel. No need for
scuba gear.
The bottom of end the stock fits into a hole in a metal bar that is bolted to the underside of the vestigial skeg. The bit with the hole in it is called a "gudgeon". The end of the stock that fits in the gudgeon is called the "pintle". In the gudgeon there should be some sort of plastic lining. If that lining is worn out or damaged you may get the sort of clunking sound, but it's probably something you can live with till you haul the boat. I don't think I would try to change the gudgeon while the boat is afloat.
Before you dive, set the wheel midships, and lock it with the little handwheel that is provided for that purpose on the side of the wheel
pedestal. When you dive, observe whether the rudder is properly aligned fore and aft, or whether it is offset to one side. Grab the rudder by the bottom and give it a hard shake. Can you detect any play in the gudgeon?
When you've done those things, come back to us with your findings, and preferably with some pictures, and we can guide you through the next steps.
Good luck! On second thought, don't rely on luck :-)!
TrentePieds