Educational services, namely, providing programs, classes, seminars, workshops, and the corresponding course materials used therein, in the field of financial literacy and financial education; financial education services, namely, providing training, courses of instruction, seminars, classes and workshops in the fields of economics, finance, personal fiscal responsibility, credit, debt management, and money management; education services, namely, providing online information, courses, webinars, live teleconferences and on site retreats in the field of financial education; educational services, namely, conducting classes and seminars in the field of consumer money, student loan default, bankruptcy, budget, credit, and debt management