Why am I hearing water sloshing thru my 97 Ford.

Most likely cause is a plugged AC condensate drain tube. Look for a 4" long rubber hose hanging down under the hood on the passenger side of the firewall. Squeeze that hose to see if anything dislodges from it. If nothing comes out, squeeze the metal ring holding it on to remove the hose, then carefully stick a pencil into the tube to dislodge the debris.