In Photoshop, I don't yet know how to apply text. Here though are the instructions on how to type text:
1. First of all, go to the toolbar on the left, and select the Text Box Tool.
2. Secondly, once you've clicked on the text box symbol, drag out the text box-using the mouse while clicking on the left key- to the place where you want to type your text.
3. Finally in the text box type in what you want to type i.e...'HELLO'. Do this by clicking in the text box and typing what you want to say.