<form method='POST' enctype='multipart/form-data' name='frmmain' action='uploadfile.php'>
    <br>
    <label for='title'><center>Event Title:</center> </label>
    <center><input type="text" name="title" size="40"></center>
    <br>
    <input type="file" name="image_file" size="40">
    <br>
    <input type="submit" value="  Upload File  " name="action" font="Papyrus">
    </form>
    <br>
    </center>

Are you physically drawing text onto the image or just overlaying text on the image at display time? The former will require some type of image processing library while the latter can be done with straight HTML/CSS assuming you have both the image and text available.

Using the PHP GD function called imagecreatefromjpeg, imagecreatefromgif and imagecreatefrompng. We can add a custom text to an already existing image file.