how can i treat this and how did it happen?!

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apply lotion, then when it dries, apply it again, and repeat this until skin is moist, then put into clean socks and let you r feet absorb the lotion

Sounds like athlete's foot. It's quite common, especially if you're in PE or anything that requires you to use a locker room.

I would use oil of oregano on it (properly diluted).

http://www.homeremediesweb.com/oil_of_or…

Also, you may need to throw out your current shoes and get new ones once you improve. The fungus goes dormant, but revives once you put the shoes back on and sweat.

You need tea tree oil, a natural remedy, that is effective.
In the link are the directions on how to use the tea tree oil. (btw, buy it at the healthfood stores so it is pesticide free)

http://health.learninginfo.org/athletes-…

Use a pumice stone to clean your heels with lots of water. Dry thoroughly. Keep the cracks free of dirt and tclean and they should close up. Of course change the offending pair of shoes.