Well, first of all, you'll have to learn the CSS codes to know what to alter to get the look that you want. There are a lot of tutorials and websites out there for such things; however, this is just the first step to a standard layout. With a few customizations and a photo-editing program such as PaintShop Pro, creating a DIV overlay is pretty simple if you're familiar with DIV classes, CSS, and a little bit of HTML wouldn't hurt, either.

^ As Whitney has stated.

If you need help with PSP, you can google Paint Shop Pro tutorials. And then for all your myspace essential needs.... go here.

DIV OVERLAY: http://www.createblog.com/forums/index.php?showtopic=142922

DEFAULT: http://www.createblog.com/forums/index.php?showtopic=144829

Those two topics, are helpful guidelines to help you get started.

If you need further assistance, feel free to ask and post in the myspace help support sub-forum(myspace related, like codes). We'll gladly help you, but first check those two links above to choose what you want to start first.

I suggest you to start the default, that way you are use to the CSS codes (like Whitney has stated) and simple designing on PSP.
Then, if you want to further advance your layouts, make a div overlay.

MYSPACE SUPPORT: http://www.createblog.com/forums/index.php?showforum=48

Only half of making a layout is the image, the second half is the coding, of course you could have someone else do it for you, but like what Whitney said, look into CSS/HTML tutorials, or you can go further to look for PHP, these are what you need to start making layouts, learn what each little thing in a code does, if you havn't I would suggest maybe taking one or two classes on a webdesign, you could have them at your library even.

do a bit of research before you start making layouts, look at which styles are popular (but never copy!) and try to get a feel for your own "layout style"
make a folder on your computer for stock photos/photographs of your own/images you might want to use, but always credit and make sure you get permission first

if you're just starting, I would recommend using this:

http://www.layoutgen.com/

those tutorials will be very very helpful, everything is explained in detail. and i agree, you should start with a basic layout just to get used to coding.