I did like a 90+ page scrapbook for my twins' 18th birthday. The whole thing is a scrapbook in Scrapbook Max, but I admit to using my Fotofusion program to make a lot of the pages (the collage format, ease of borders, etc.) which I then saved as .jpg and brought into SM. Sometimes using it slightly smaller making a colored border around the original, sometimes sizing it to the whole 12 x 12 size format. I did this to make a cd format of it.
However, I decided to print some of it to an 8 x 8 album. Picasa will resize it to print it out on an 8 1/2 by 11. (I always have tons of glossy photo paper from Sam's or Costco on hand, even paper scrapping I print out titles, etc.) However, I did find sometimes Picasa didn't print it out exactly 8 x 8. If you have any program that has an 8 x 8 format, you should easily be able to print out your 12 x 12's on your regular printer. I think I used Corel Paint Shop Pro X that I bought recently because of a great rebate even though I don't know how to use it to make pages, I can get the hang of pictures and printing easily.
I had also sent for samples from SBTOSHARE and intend to use their service one day soon. Currently working on a scrapbook of my first child who passed away at the age of 2. Maybe for that one.