Java Mortgage Calculor GUI Issue

I am sort of new to programming, well at least programming in Java, I am in a class at the moment and I just need someone to point me in a direction. I am having an issue getting all the JPanels to show up in specific spots on the application screen. The rest should be a piece of cake with all the calculations. Here is the code that I have done so far: import java.awt.*; import java.awt.event.ActionListener; import java.awt.event.ActionEvent; import javax.swing.*; import java.text.NumberFormat; import java.awt.GridLayout; public class MortgageCalculatorGUI7 extends JFrame { JPanel panel1 = new JPanel(new FlowLayout()); JRadioButton b7Yr = new JRadioButton("7 Years",false); JRadioButton b15Yr = new JRadioButton("15 Years",false); JRadioButton b30Yr = new JRadioButton("30 Years",false); JRadioButton b535Int = new JRadioButton("5.35% Interest",false); JRadioButton b55Int = new JRadioButton("5.5% Interest",false); JRadioButton b575Int = new JRadioButton("5.75% Interest",false); JPanel panel2 = new JPanel(new FlowLayout()); JLabel mortgageLabel = new JLabel("Mortgage Amount $", JLabel.LEFT); JTextField mortgageText = new JTextField(10); JLabel termLabel = new JLabel("Mortgage Term (Years)", JLabel.LEFT); JTextField termText = new JTextField(3); JLabel intRateLabel = new JLabel("Interest Rate (%)", JLabel.LEFT); JTextField intRateText = new JTextField(5); JLabel mPaymentLabel = new JLabel("Monthly Payment $", JLabel.LEFT); JTextField mPaymentText = new JTextField(10); JPanel panel3 = new JPanel(new FlowLayout()); JButton calculateButton = new JButton("CALCULATE"); JButton clearButton = new JButton("CLEAR"); JButton exitButton = new JButton("EXIT"); JPanel panel4 = new JPanel(new FlowLayout()); JLabel paymentLabel = new JLabel ("Payment #"); JLabel balLabel = new JLabel (" Balance"); JLabel ytdPrincLabel = new JLabel (" Principal"); JLabel ytdIntLabel = new JLabel (" Interest"); JPanel panel5 = new JPanel(new FlowLayout()); JTextArea textArea = new JTextArea(10, 31); public MortgageCalculatorGUI7() { this.setLayout (new BorderLayout()); panel1.setLayout (new FlowLayout()); panel2.setLayout (new FlowLayout()); panel3.setLayout (new FlowLayout()); panel4.setLayout (new FlowLayout()); panel5.setLayout (new FlowLayout()); panel1.add (b7Yr); panel1.add (b15Yr); panel1.add (b30Yr); panel1.add (b535Int); panel1.add (b55Int); panel1.add (b575Int); panel2.add (mortgageLabel); panel2.add (mortgageText); panel2.add (termLabel); panel2.add (termText); panel2.add (intRateLabel); panel2.add (intRateText); panel2.add (mPaymentLabel); panel2.add (mPaymentText); panel3.add (calculateButton); panel3.add (clearButton); panel3.add (exitButton); panel4.add (paymentLabel); panel4.add (balLabel); panel4.add (ytdPrincLabel); panel4.add (ytdIntLabel); panel5.add (textArea); add(panel2, BorderLayout.NORTH); add(panel1, BorderLayout.CENTER); add(panel4, BorderLayout.AFTER_LINE_ENDS); add(panel5, BorderLayout.EAST); add(panel3, BorderLayout.SOUTH); exitButton.addActionListener(new ActionListener(){ public void actionPerformed(ActionEvent e) { System.exit(0); }}); } public static void main(String[] args) { MortgageCalculatorGUI7 frame = new MortgageCalculatorGUI7(); frame.setBounds (200,200,800,500); frame.setTitle ("Mortgage Calculator 1.0.4"); frame.setDefaultCloseOperation (EXIT_ON_CLOSE); frame.setVisible (true); } } Thanks for the help in advanced.

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