How do you replace the instrument panel light on a 95 Ford Escort wagon?

If none of the dash lights are working, then it won't be the cluster. You are going to have a problem with one of the fuses, a switch, or wiring. Does it have running/tail lights? If it is just one bulb, then,

The question you ask is too involved for a proper answer. You need to go to a car parts store, and get a repair manual for your car. They cost about $16.00 Or, go to a Public Library.