Collage FX Studio will allow you to make interesting collages of your photos. This program has a nice and rather intuitive interface so you should not have any problems when using it. To start making a collage you should select the background image first, then you should open the photos, which for your convenience will appear in the Images Library on the left, by clicking the "Import" button. Then you will be able to choose between these photos and add them to the canvas, you will be able to move the photos, change their size, rotate and apply different effects to them. For example, you can add various frames and masks (around 40 frames and 30 masks). Also you are able to add cliparts and a text to your collage, moreover, you can change the style, font, color and the size of the text and make it less or more transparent. Cropping and tunning is also available. There is a possibility of using the so called 'brushes' (various simple images which you will be able to add to your collage). This function is also customizable, you can change the size, opacity, angle and the color of a brush.
Well, Collage FX Studio is an easy to use program with lots of interesting features, you will surely like it.
This program is not free but you can download its fully featured trial version which will have a FoxArc watermark on each of your projects.