Form Design

I feel fairly confident that I have my tables and relationships decently set.
My problem now is how to display it for my staff to work with. I need some
help with form layout Here's my scoop. I am re-building a camp database that
was laid out on one entire table!!! So many fields... So many empty fields
too. Nonetheless, we are moving onward and here is what I have...

I have a camp database that has the following tables now:
tblcamperinfo demographic info that may change (primary table)
tblparentinfo info on parents and addresses could be more than one
tblcmprcntyr describes info for current camp year. cabin, session, etc...
changes every year. Will be purged or archived...(one to one)

tblcmpracct financial information: tuition, payments, etc (one to one?)
There may be a store account ledger added to one of the fields as a sub.

tblcmprprofile a yearly profile and evaluation from the season (one to
many)

The above 5 tables all have a relating FK from tblcamperinfo PK where
tblcamperinfo has a one to many relationship except tblcmprcntyr where it is
one to one


Most of my data entry folks want to be able to pull up and search mostly by
camper name, but other factors too (like city, years attended) and also want
to have mostly one place to add or change data and create new records. All
registration comes in on one application. Returners have their record
updated...

I understand subforms, tabs, and all that, but I think I am missing the
query part to put this all together. What is the best means for pulling all
of this together on a form?

Do I subform everything or create multiple forms?
That may be too general, but let's start there. I really appreciate the help.

thanks,

Don