Lisa,
The first thing to do is to check the oil level on the dipstick. If it is full, then you will need to take the car to a Ford shop to have them check out your lifters or wherever the noise is coming from. I don't want to blame anybody, but it may be that the car was driven extra hard. Ticking is usually a symptom of a loose lifter, but could also be other things as well. Just get it to a shop as soon as possible, and don't let anyone drive your car but you.