Downloadable software in the nature of mobile applications for enabling students to download electronic publications and to interface with online educational resources, material and courses in the fields of finance, math and literacy, literacy to empower them to develop the skills required to successfully manage their finances and plan for their future, finance to empower users with the skill-set to successfully manage their finances and plan for their future, civic engagement, assault relationship violence, stalking, hazing, sexual assault and sexual harassment, developing and maintaining healthy relationships with other students in school, alcohol and controlled substance abuse prevention, finance to empower students with the skills to successfully manage their finances while in school and beyond and minimize dropout and student loan defaults through education, African-American history, entrepreneurship, science, technology, engineering and mathematics (STEM), promoting healthy relationships, providing educational assessment services, personal finance and financial literacy, information security and privacy, empowering students to take on a more visible role in addressing critical social issues, financing higher education, digital responsibility lessons for students on how to take practical steps to protect their privacy and safety online, equipping students with information and skills to support the emotional well-being of themselves and others, enabling students to explore STEM careers connected to their interests and aptitudes while practicing STEM concepts that are key for career readiness, and introducing core social emotional learning competencies to teach elementary students how to practice compassion and empathy, identify emotions, and exercise growth mindset