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CAMPS COMBINE LEARNING WITH FUN

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Question - As a present for our grandchildren this summer, we'd like to send them to a summer camp where they can learn something and have a good time, too.

We've heard about a camp somewhere in Florida, we think, that teaches kids about money. Do you know about that or other possibilities? And how much do such camps cost?

Answer - You're thinking of the Breakers Money Management Camp - aptly named because it will take some deft money management by you to pay for it.

At $775 a week (not including lodging at the ritzy Breakers hotel in Palm Beach), it's one of the pricier specialty camps. But it gets high marks from alumni.

As in the past, this summer's session, which will be held July 14-20, will be led by Susan Bradley of Raymond James & Associates, a brokerage firm. For more information, call 800-833-3141.

Here's a selection of other candidates. Keep in mind that application deadlines can be as early as April 15.

International Music Camp (1725 11th St., S.W., Minot, N.D. 58701; 701-838-8472).

There are no auditions, and all skill levels are accepted for vocal or instrumental lessons at this 3,000-acre "peace garden" on the border between the United States and Canada. At $185 a week, this camp is eminently affordable, and scholarships are available for students from low-income families.

Concordia Language Villages (901 S. Eighth St., Moorhead, MN 56562; 800-222-4750).

Kids ages 7 to 18 get total-immersion instruction in any one of 10 languages, including Chinese, Finnish and Russian, at camps throughout northern Minnesota. Even camp activities - soccer, dance, arts and crafts - are taught in foreign languages.

A one-week session costs $370.

Cheley Colorado Camps (P.O. Box 6525, Denver, Colo. 80206; 800-226-7386).

This is for kids who are crazy about horses - or would like to be.

"Campers learn everything from saddling and bridling their horses to what to feed them," says director Carole Cheley.

A four-week session costs $2,350.

Cape Cod Sea Camps (P.O. Box 1880, Brewster, Mass. 02631; 508-896-3451).

For kids who prefer surf to turf, this camp teaches sailing on Cape Cod Bay according to standards set by the U.S. Sailing Association. Youngsters can also learn to windsurf. If they get seasick, so to speak, they can take gymnastics or dance or hit a few tennis balls.

Cost: $4,755 for the full seven-week summer session, or $2,665 for a three-and-a-half-week session, plus a $200 service fee to cover laundry and insurance. Scholarships are available.

For more choices, consult the American Camping Association's 1996-97 Guide to Accredited Camps ($16.95; 800-428-2267).