the present invention discloses methods and systems for providing education at a point of need . the invention includes creating granules of educational material , associating educational credits with the granules of educational material , receiving a request for at least one of the granules of educational material from the point of need , responding to the request by electronically delivering at least one of the granules of educational material to the point of need , and recording educational credits based on at least one of the granules of educational material delivered to the point of need .