Depending on how you want to do it, there are lots of options. Some you just plop your photos into an empty "hole" in a pre-designed page. I'm not a big fan of those.
I create all my pages from scratch. It's called digital scrapbooking. Actually, up until a week ago, I was a digital scrapbook designer with Digital Scrapbook Place. I highly recommend going there. They have lots of support for beginners, TONS of free downloads, and a fun "contest" called New Kids On the Block (you get a free page kit and make a page, then everyone offers advice on making it better--it's really fun!)
Digital scrapbooking is just like paper scrapbooking, except you have digital papers, digital embellishments, and your digital photos fit right in, without printing them first. You have to have a good digital imaging program, like PhotoShop Elements, but I know of a free one :)
It saves a lot of money because once you have a graphic (a digital paper or element) you can use it as many times as you want without paying again. If you were to buy a $4 page kit, you could, theoretically, create an entire album with it. And there are so many freebies out there, you can try it out and see how you like it completely free. You also don't have to pay to get your photos printed first.
Then you just pay to have your pages printed. You can have them printed as photo books for about $1 a page. That also eliminates the cost of a scrapbook album (about $20+)
It saves a TON of money and is so fun! I have some other fun freebie websites, like Shabby Princess. But DigitalScrapbookPlace.com has a great community. I was only a designer there because I had already been a member for 2 years and loved it.
I've gotten lots of friends hooked on digiscrapping, and I'd love to help you get into it, if you're interested. Send me a PM and I'll give you all sorts of information!
And if you'd like to see my online scrapbook album (also free when you sign up at Digital Scrapbook Place), go to:
www.susielein.digitalscrapbookplace.com
BTW, I've looked at Heritage Makers, and my sister made one there. Her MIL had bought a gift certificate or something for it. It cost $80!!! I think it was only 20 pages long, too. That would cost me about $20. So if you're concerned with saving money, I know the web sites and tricks to get them for significantly less than Heritage Makers. And without sacrificing quality!