If you send it to GT, your the 3rd site to send it. I feel special.
Okay here it is.
First, get a render, I will use this one.

Open up your picture and Edit -> Define Pattern. Pick a name, it doesn't matter.
Open up a large document.
Get a bold text, and put whatever you need

(My initials)
Then your going to go to Blending Options.

Check pattern overlay and choose your picture as a pattern.
Scale to your liking.

My product.
Congratulations! You have Picture Text!