Torn
Edges in Paint Shop Pro 8
1.
Open a new image and fill it with your paper color.

2.
Select your eraser tool.
From the brush menu, select a round brush and make it small. I
used the following settings for this tutorial:

3.
With your eraser, make a jagged line across your image, where
you want your paper to look torn. Erase everything above your
line.
4.
To add a white edge to your tear, choose the magic wand tool.
Change the tolerance to 80, the Feather to 3 and be sure anti-alias
is checked. Click anywhere in your erased area (not on your paper).
Click SELECTIONS > MODIFY > EXPAND. I chose to expand by
10 for my sample, but you can choose a larger area. Hit okay.

5.
With the area still selected, click ADJUST > BRIGHTNESS AND
CONTRAST > BRIGHTNESS/CONTRAST. For the sample, I chose Brightness:100
and Contrast"-100, but adjust the settings to get an effect
you like. Click okay, then SELECTIONS > SELECT NONE.
6.
The basics are now complete. You might add shadows to make the
torn paper pop off the page, or add noise for a more realistic
looking paper. Play with the settings until you get a look you
like.