1. A method of providing a massive multiplayer educational role playing game to a learner from a server comprising: a. connecting a learner's control module to a learner connection arranged to connect to the server and containing a learner profile and a billing system; b. validating the learner's credit; c. updating the learner's profile for game access; d. selecting a multiplicity of target education skills; e. providing the learner one or more persistent characters used in the game with a starting character game level; f. using an activity module to provide a multiplicity of activities; g. requiring demonstration of target education skills in a first group of activities to provide the character a PGO; h. arranging first group activities to provide monetary units; i. enabling a character object exchange arranged such that characters exchange PGO's, whereby required objects are obtained by exchange; j. varying the type of PGO and amount of monetary units provided in first group activities dependent on errors in demonstration of target education skills; k. providing a second group of activities without target education skills; l. arranging the activity module to require a predetermined type and amount of PGO's produced by first group activities to successfully complete a second group activity whereby indirect feedback is provided; m. exchanging PGO's for monetary units; n. updating the learner's profile upon successful completion of activities for demonstration of target education skills; and o. charging the learner's credit card on a periodic basis, whereby for a payment of money, a learner is motivated by indirect feedback to learn target education skills.