Hi there!  CT Member Kacy here with a tutorial using a text as a photo mat.

I have opened up all of the elements, and papers I want to work with in this layout from the Lazy Days kit. First, I will add the title of my page in large text.

I want all the letters to be very close together, and I want the text to fit across the screen and be taller.  Using the Move tool, I’m going to resize the text to be as wide as the page, instead of trying to guess the font size to make the text bigger.

Using the character window, I then adjust some of the text settings:

• Change the font from Century Gothic, Bold to Impact
• Change the vertical scale of the text to 350%
• Change the horizontal scale to 165%
• Change the tracking to -65, so that the letters are closer together.

My text now looks like this:

Once you get the text adjusted how you want it to look, add the photo you want to overlay your text as a new layer just above the text layer.  Then, use a clipping mask to clip the photo to the text (right-click on the photo and select Create Clipping Mask, or hold down the alt key while clicking the line between the two layers you want to clip together).

I moved my photo around until it looked right to me.  I think my text will stand out a little better if it has a shadow – so I selected the text layer and added a drop shadow.

I added some elements, word art, journaling and papers to finish my layout!