Force quit Instagram by sliding up and then dismissing the app so it closes entirely.
See if it then reloads.
It could also be a problem with your connection, so see if something else like a web page loads for you - if that doesn't load, it's an issue with your internet.
And if you're still having problems after all this, it's time to work out whether you're alone in all this.
Do a search on Twitter to see if others are complaining about the same thing.
Should you see a load of tweets about Instagram being down, then you have your answer.
In which case, the only thing you can do is wait for it to be fixed and check the options above for updates.