Hi, Nikilet.
Your best option is to buy "Adobe Photoshop Elements" which should fit all your requirements. It's basically a cut-down (and very much cheaper) version of the all-conquering Photoshop, without the advanced professional features that the average enthusiast will never use. You can read about it here:
http://www.adobe.com/uk/products/photoshopel/
Is there a photo program wherein you can open a page, import pictures, resize them, put captions right on the photo, etc., and then print many pictures out on one page.
I did this at one time for my daughter making many pictures small for her baby scrapbook. I used QuarkXPress 6 I think it was. I loved that program but can't afford to pay nearly $1,000 for a new one.

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