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If so, then...
Create your txt, then convert it to outlines when you happy with it...
Creat a black rectangle behind the text, big enough to leave enough black space around it.
Select the text outlines and the rectangle and then go - modify > combine > punch. Continue doing this untill you have punched out all of the letters from the rectangle.
You should now have a black rectangle with the text punched out of it.
On another layer, create your image/collage and hey presto, your image appears within your text...
Simple... if you want to outline the text, give it an outline colour, but crop the image to remove the outline which will appear around the edge of the rectangle too..
Going by your vague description, i think this should give you what you want.
I can't think of a name for my site!
Monkey-with-attitude.tk is too long so I need ideas. You have any?
It's basically everything about me and creative things I have done etc. Like one big folder which is viewable to everyone. My names Ryan also if that helps :-)