HI Lisa--I'm a PSP XI user and I love it. Other than actions, I can do about anything with it that can be done with PS.
Here is how I make a basic collage. I open a sheet, the size and res. I want to print. You can fill your background color, etc. Then I open my pics, one at a time, and do whatever I want to those--crop, edit, borders, etc. When I'm done, I right click--copy--then "paste as new layer" on my collage. Then I do the next pic. Same thing, and "paste as new layer". You can move the pics around, so I just let them sit until I have all my pics there, and then I start dragging the corners of the pics til I get them the size I want. Move them where you want them, add text, and save. If i'm completely DONE and won't be editing, I'll "merge all layers" and save as a jpeg. Otherwise, I'll just save as a PSP file.
I know that's a quick version--if you need more help, let me know.