Your Studio View XL sports a microSD memory card reader. If your laptop or personal computer can also read that card format (Most laptops are so-equipped), you should be able to transfer a music file
The BLU Studio View XL is an Android smartphone and the Android market offers a bunch of free ringtone apps such as MP3 Ringtone Maker, RingDroid (open source) and more.
Here are some of the free ringtones (compatible with your BLU Studio View XL) we offer:
Free Horror Ringtones Free Ghost Ringtones Free Ringtones-a-gogo Free Techno Ringtones Hear All Our Free Polyphonic Ringtones