images have ( your name / yout text ) for editing but how i replace it

[Blighty]

Is that a single layer image (jpg, png)?

Use the Clone Tool to remove Your Name etc.
1) Control Click to set the source
2) Click-Drag to remove Your Name etc

Use the Text Tool to add your own text.
When setting options for the Text Tool, set the options in the Tool Options below the tool box. Don't use the on-screen  options.
(On screen options are for changing individual characters of text)