Photo Collage is hot and easy to use.
I highly recomend it.

Find more from its official website:

Adobe Photoshop Elements and Corel Paint Shop Pro, while commonly used by digital scrapbookers, will do what you need them to do for digital effects in paper scrapbooking.

That said, Adobe Photoshop Elements and Corel Paint Shop Pro come with a learning curve. Both Adobe and Corel offer trial versions of their software. It’s a good idea to try them both before you decide which one to buy.

As for the fonts, there are many, many fonts that are available on the Web. The fonts you probably saw in the scrapbooking magazines were ones that were dowloaded for a fee or for free from the Web. Any fonts that you install on your computer will be available for use in any graphics software, such as Photoshop Elements or Paint Shop Pro, that you have on your computer. Dafont.com and 1001fonts.com are two good font sources. Creating Keepsakes, maker of the popular scrapbook magazine, also makes and sells fonts that are ideal for scrapbooking, so you might want to check out the CK fonts, as well.

See if this is sort of what you are looking for, please.

ScrapBlog, the above link, has a program that lets you build a scrapbook,or, just add photos to existing page designs, then, print it/them. Take a look, anyway. It is pretty cool! It has the fonts and the ‘text cards’ to place it in. There are templates and embellishments. Of course, there is also a photo select column to view for photo selection. You can crop, resize and edit your photos, too.

I hope this helps you.

Su