I have PSP 10 - I am using a template from a designer - what I need to know is how do I get my photos onto the template - especially curved lines or curved borders ?

There are several ways, I think.

The first would be to use your selection tool (Magic Wand) and click into one of the openings in the template, then go to the image that you want to put there and copy it; returning to your template you would choose "Paste into selection" and the image should fill the entire selection.

Depending on the template and how it works, you could put the images under the template and use the move tool to positon them so they show through any sort of borders (I'm thinking of multi-opening matts).