It looks like you need more leg extension, and you might first check with Schwinn to see if they offer a high-seat mount option, i.e. the piece atop the post which does the fore-aft adjustment. CycleOps used to offer two different heights of those, so maybe Schwinn does, too.
The other possibility would be to get longer crank arms. I see it’s a 3-piece crankset, but you’ll have to look-see what the crank arm options are. Longer crank arms would drop you a bit lower on the bike, getting the extra length at the bottom instead of the top (i.e. seatpost).
Am I correct in assuming you slid the handlebars all the way forward on the handlepost?
I agree with
PeteHski that moving the seat forward and getting on top of the pedals, as it’s said, would be preferable, but if you don’t have the reach to the handlebars you want, that may not be possible, so pedaling “behind” the pedals will still be fine, just not optimal for some efforts, probably.