Part of me wants to be really harsh on this, but it all depends on how old the OP actually is. If he's young and new to Photoshop etc., this can be forgiven.
Pretty much this.
From what if seen from his post he seems young, maybe around 12.
Yep. Based on the quality of it, this is an early school project and we shouldn't really be too harsh on the guy as a result. Yeah, it's pretty terrible from a professional standpoint, but this isn't professional work and everyone starts somewhere.
After all, I have tons of terrible comics I scrawled when I was 12, so I speak from a position of experience (although I never got particularly good at drawing in the end )
12 is still kind of old, especially since most of stuff is black text on white page and character cutouts. Even at 12, with no experience but your class, that should take about 2 or 3 hours max.