Judy,
Look for Scribus (like Scribe-us). It is a free download and quite a powerful
page or publication layout program. Similar to Adobe InDesign or Quark
Express.
I have used both InDesign and Quark, and Scribus still has a steep learning
curve. Maybe if one never used a page layout program it will be easier,
rather than having to unlearn. Or it could just be me.
Scribus net
Download for Windows XP
Download for Mac