Photoshop Tutorials: Turn A Photo Into A Collage Of Polaroids
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Step 8: Add Another New Blank Layer Above "Layer 2"
We need to add another new layer, and we need it between the black-filled layer ("Layer 2") and the layer containing our filled selection ("Layer 3"). To do that, click on "Layer 2" to select it and then click once again on the New Layer icon at the bottom of the Layers palette:

Photoshop adds the new layer between "Layer 2" and "Layer 3" and names it, surprisingly enough, "Layer 4":

Step 9: Drag Out Another Rectangular Selection As The Border Of The Polaroid
With your Rectangular Marquee Tool still selected, drag out another rectangular selection, this time around the outside of the original selection, which will become the white border of the polaroid. Keep in mind that polaroid photos have some extra space at the bottom of the border, so add some extra space at the bottom of your selection:

Step 10: Fill The Selection With White
Since the border of a polaroid is usually white, let's fill our selection with white. Make sure that you have the new blank layer, "Layer 4", selected in the Layers palette. Then, since white is currently our Background color, let's use the keyboard shortcut Ctrl+Backspace (Win) / Command+Delete (Mac) to fill the selection with the Background color (white). Press Ctrl+D (Win) / Command+D (Mac) when you're done to deselect the selection. We now have our first polaroid in our image:

Step 11: Add A Drop Shadow Layer Style
We have our first polaroid, and we're going to use it to easily create as many polaroids as we want. But before we do anything else, let's add a slight drop shadow to it. We won't be able to see the drop shadow just yet, since we're using a black background, but we will see it once we start piling polaroids on top of each other. To add our drop shadow, with "Layer 4" selected, click on the Layer Styles icon at the bottom of the Layers palette:
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Select Drop Shadow from the list of layer styles:

This brings up Photoshop's "Layer Style" dialog box set to the Drop Shadow options in the middle column. I'm going to set my shadow Angle to about 120° and then lower the Opacity value at the top all the way down to about 30% so my shadow isn't too intense:

Click OK to exit out of the Layer Style dialog box. As I said, we won't be able to see the drop shadow just yet thanks to our black background, but don't worry. We'll see it soon enough.