I tried the ideas you both gave me, but with no success. A few weird things came up too. When i restarted PSP both the stroke and fill boxes in the materials pallet had a checkerboard. I've never seen that before. And when I opened the pspimage there is a vector layer, but has no object layer, no little arrow either, to indicate you can open it to see the object layer. I've been gone over 8 hours with the computer turned off and still the same results. It doesnt matter if I change tools or not. Its strange because Saturday everything was fine. could the layout itself be corrupted?
Addendum: I started from the base template that I use for the Photo Challenge and copied my photo in and then used the same font and it worked ( I had wondered if it was the font). I think the 3 images I was working on got corrupted. A weird thing too was that the font wasn't showing up in the drop down list (this is after I got home from work) but was activated in Font Base. So I deactivated it and reactivated it and I could move the font around again (wonder if Font Base is the culprit). Now when I use a font the word "lock" shows up, because I stupidly clicked on the remember text button, not knowing what it was. Oh well, at least I can use text again. And I had a normal T in the object layer not the weird T with a box around it.
Thank you Carole and Ann for you help. Now I can go watch some tutorials and destress myself. It's good to know that it's a known bug. My next idea was going to be saving with a different name at each step in hopes of seeing which step made it go haywire. I'm leaning toward clicking too fast and Font Base and PSP got confused. It did freeze up once and I had to do cntrl -alt-delete, which leads me to think I was clicking to make it work and it got confused.