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if each row is a jPanel and each jPanel has 7 text fields in them you have 15 jPanels and only 12 of them have 7 text fields (12 *7 = 84) I would assume that your only going to write to the panels...

I think you have the right idea just backwards.
take the pannel for loop and add 7 text fields as a for loop

so something like this:


for(int i = 0; i < 15; i++){
// panel start up code
...

not sure what the logic is here maybe you can explain:



for (int i = 0; i < 74; i++) {

for (int a = 3; a > 14; a++) {
System.out.println("a is " + a);
...

wow if i had a nickel for every null pointer issue i would be rich...

Look at this section of your code and tell me what you see



for (int i = 0; i > 74; i++) {