Hello there, are you using layout managers? Ideally, it all depends on how you want the GUI to look. Using a BorderLayout (JFrame default) as an example, you can have up to 5 panels (top, left, botton, right, center). Each panel again depend on what you want on it can have its own layout manager and panels. Therefore, it's really up to your imagination.
As for
SCJD is concern, keep it simple. Use basic layout managers. If you are not good with GrigBagLayout, don't use it. Don't try to be too fancy. As for your case, you may want to reuse panel variables. Ultimately, it is the events from text fields, drop down menus, buttons that you need to worry about.