If your image editor supports layers, add text to your digital photo by including a text layer in the image file. You can include this text anywhere in the image and decide the text’s look. This process is similar in all image-editing software that supports layers, but to add text to a photo in Photoshop Elements:
Open the image in your image editor and choose Layer→New→Layer.
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A new layer appears in your image.
Select the Text tool from the tool palette.
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Most image editing software uses a T in the icon, or some letters to represent text.
Move your text block into place on the photo.
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Just move the mouse to the position on the photo where you want the text to land.
Type the text you want to include in the picture.
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You can select the font, style, color, and size of your type from the menu bar.
Add effects to your text if you want to spice them up.
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Click the arrow to open the Styles and Effects palette. Select Effects from the left drop-down list and Text Effects from the right drop-down list. In the Layers palette, select your text layer and apply the chosen effect. This figure demonstrates the Medium Outline effect.