I need some help!

I'm looking an app for my iPad that I can manipulate a photo. Basically what I'm trying to do is take a photo, cut out the middle, and add text over top of the cut out piece. I'm attempting to make invitations for a party, and would rather make them myself than pay someone to do it*. I'm including the photo, so you guys understand what I'm talking about!

I'm sorry, graphic designers. You guys are talented, but I'm poor and can't afford to hire someone.