I want to add a paragraph of verbiage on the checkout pages where it is pulling in

Available Credits
Discount Coupons
Redemption Code

Can anyone tell me how I go about doing that?

Basically between the Heading "Available Credits" and the next line, I want to add some special text and I don't understand how to do that because I'm not a PHP programmer, even tho I understand how it works and have come to understand Zen-Cart pretty well.

Also when I changed "Available Credits" to say "Available Discounts" in includes>languages>mytemplate>english.php it does not take my change for that part of the page... I think because I have a custom includes>languages>english>mytemplate>checkout_shipping.php that is pulling for that page.

Any suggestion on what I need to do to make that override work?

Thank you in advance as always!