SSH to localhost on android

I am trying to get ssh working on my android phone. I am currently able to ssh out, from my phone to another device. But I am struggling to be able to ssh in. To test things, I am just working on my the phone and trying to establish an ssh connection with localhost. Working in termux, I ran the command ssh localhost -p 8022 Then I am given the prompt u0_a316@localhost's password: I'm struggling a bit to understand this. I know that u0_a316 should be a user on my phone, but I don't quite know how users on the android oprating system work. I tried entering the lock screen password I have for myself, as well as no password. But neither of these work. Could someone help explain whats going on here, or point me to some (hopefully not too dense) documentation on this? *this question is cross posted from stackoverflow, following a recommendation in the comments*