Question tranfer of payment to new semester and session

ENEMAL

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I need an assistance in first database in access.
Iam creating a student database in ms access2007 but finding difficult to go further. In my database, I have created the following
Student-info-table
SemesterTable
SessionTable
PaymentTable

Then a query from the payment that shows student I'd,arrears,amount due,paid. And balance

My question is
1.How do I tranfer the students and their balance to a new semester and session
2.Do I have to new student and payment tables every semester bcos payment are made every semester
3. I want to keep each students payment for as long as they remain in the school
4. A session is made up three semesters how do I tranfer students to a new session

May be my tables layout are faulty
Can someone guide me on how to achieve my aim please
 
Can you post the structure of each table please (field names, types, PK, FK and relationships)?
 

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