XP hasn't been supported in 5 years (aside from specialized instances like ATMs that are difficult to replace and for which Microsoft does still provide fee/contract based support). Nobody should be using XP for anything now.
You can upgrade to Windows 10 by paying for it and downloading an installer, or by installing it and then paying to activate it.
https://www.microsoft.com/en-us/p/wi...%3aoverviewtab
But I agree that if you have an older computer and Win7 is working, keep that. I would probably just get a new computer that comes with Win10 if you have an older computer running 7 anyway.