1. Go to any site that offers the images you want.
2. Lets say you want to make a fan made Instagram edit, you will need to go to a persons story on Insta, and screenshot the page
3. Then go on this site, *or any photo shop editor" "https://pixlr.com/editor/" To insert and make the "fan-made edit"
4. Go to Picmonkey to change any letters optional
And Tada, hope this is helpful :)