How about using a Photoshop Action to do the collage? I'm not sure what version of PS you're using, or what type of collage you're looking for... but I came across a few free actions that might help you create the collage bit of it.
I'm sure there are more, but my attention span is very short tonight
lol
Are you trying to create collages out of multiple pictures (kind of like scrapbooking?) or are you just trying to split up a single picture in an interesting way?