Here's a video of me using Web 2.0 Covers With Photoshop (the same can be done in Photoshop Elements).
Here's a video of me using Web 2.0 Covers with GIMP (a more detailed video with instructions).
I would recommend using Web 2.0 Covers with either Photoshop or Photoshop Elements. If you don't have any of those 2 programs,
The GIMP is the next best thing. The download
link for The Gimp will be given in the download
area...