As Mollycuddles says, all the fluff is her puppy coat - it could be ready to come out but it could be too early yet. I personally wouldn't use clippers on it - you'd get a far more natural finish by either handstripping or using a Coat King. Basically there's 3 ways of trimming a Cocker...
1. Handstripping. Using finger and thumb to pull out the dead hair on the back etc. All the show dogs you see are groomed this way, together with using thinning scissors in certain places. It seems hardly any commercial groomers offer a handstripping service - if Blue's breeder is close by and active in the show world then he/she may be able to help you out here, or recommend someone who could.
2. Coat King. A hand stripping tool that's fantastic for us pet owners. You don't get quite the neatness that you do by handstripping but it's far quicker, less painful on the fingers and a good compromise between handstripping and clipping. When Blue's puppyfluff is ready to come out, you'll be amazed at how easy the Coat King is to use and just how big a pile of fluff it will produce. Thinners can be used in conjuction with this for ears, throat and feathering.
3. Clipping. The least aesthetically pleasing option but many people find it easier to have their Cockers clipped. Downside is you don't get a very natural finish at all and the coat will grow back coarse and curly. To keep Blue looking neat she'd need regular clipping - once she's been done a few times then it's likely there'd be no going back - handstripping wouldn't be possible on the new course hairgrowth and possibly the Coat King wouldn't have mucsh effect either. I personally would avoid having my dogs clipped - but if you decide to go for this, try and find a groomer who won't just clipper the whole coat off from head to tail but will leave a bit of leg and body feathering. Try and avoid having the head clipped though - it looks dreadful in my opinion - ask the groomer to use thinning scissors and try and blend it in with the tops of the ears.
Even if you use a professional groomer it's a good idea to buy a decent pair of straight edged scissors for tidying up the paws and keeping the ear canals free of hair, to help air flow. This needs doing on almost a weekly basis ( well it does on my two anyway.
) As Mollycuddles says, this is the best place to start with a pup - paws, ear canasl and maybe also the tail.
If you decide to learn to trim Blue yourself then all the info is out there on the Grooming section - many of us COLers have learnt to do it ourselves. It can be quite daunting at first but eventually gets easier.