Google "photo editor with text" (or some similar wording) and you will find various programs to add text to a photograph. Look for current listings (i.e., the last year) to avoid older, possibly obsolete utilities, low end programs, etc..
Download and AVscan two or three programs of interest.
Be careful as some of the programs will try to download other stuff on to your system as well.
Install and test. Pay attention in case you need to stop the download, the install, or get some warning message or unacceptable configuration change notice. Changing your default browser for example...
Just make photograph copies to experiment with and try some of the programs out.