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Double click on a line in the Layers panel to open a Layer Styles window for that layer. Try adding a frame with "stroke" or a shadow with "drop shadow," or playing around with other options. Don't click the layer name itself, or you'll just be typing in a new name. Click the space next to it. Use the Image Adjustments menu or the Adjustments panel tools. Play around with these, using Ctrl+Alt+Z to undo. You can use adjustments to make the image brighter, alter the color balance, and sharpen the image, among other options. By default, any layer adjustment you add will apply to every layer (every image in the collage). You can change this by right clicking on the adjustment in the Layers panel and selecting "Create Clipping Mask." This applies the adjustment to only the layer beneath it. Explore the Filter top menu and play around with the tools. Try the tools listed under Artistic, Brush-stroke, Distort, Sketch, Stylize, or Texture. To make the image stylistically blurry, use the Noise, Pixelate, Render, Sharpen or Blur filters. Press T on your keyboard, or click the T symbol on the Tools panel. Drag your cursor over the image to make a text box. Type in your text. Adjust the font size and appearance by highlighting your text and altering the values in the top tool bar. Move the text box by dragging the dots at the edge of the box. There is no spell check. To check spelling, you'll need to copy-paste to a text editing program or online spell check. Once you're done, click the black cursor tool to return to the default move tool.

Summary:
Change layer styles. Add adjustment layers. Add artistic effects. Add text.