help please..

ok.. someone let me in on the secret. how the hell do you get the photo to have the curved edges like that? i want to be able to do it.. is it in photoshop or something?
I personally don't understand photoshop.. i was using microsoft digital image software but now it wants me to pay for it and im broke.. anything that's like that?? your help would be great, thank you xxxxx

like this: