monogram maker for cameo or cricut

Fonts are you best option. There are some great ones in the Silhouette Store - just make sure you get the actual fonts, not the sets of shape files.

Look for fonts by Rivka Wilkins. Hers are the only ones in the store that are actual fonts. She has instructions with each one on how to use them. They are all "framed" but you can remove the frame by typing it out, the welding it. DON'T do anything else to it before you weld it. Then you can pull the frame off.

Or you can buy monogram fonts from Font Bros. More expensive - but they are the nicest ones.

The monogram it apps have been removed from apps stores. It was in violation of the use of the fonts and the font designers went after them. It was never intended to create cut files.