1. An apparatus configured to facilitate interactive simulation gaming for creation of an active learning environment on credit risk management for a player, the apparatus comprising: a processor; a memory that comprises user interface logic; and a user interface system configured to receive input from the player and present information to the player on training-stylized non-live data decomposed into a plurality of training courses; wherein the processor employs computer instructions in the memory to cause the processor to perform operations of a what-if training tool that communicates with the player through employment of the user interface logic and the user interface system and ensures achievement for the player of a plurality of individual learning goals on customer behavior in retail lending, that comprises a first learning goal on customer behavior in retail lending and a second learning goal on customer behavior in retail lending, through if-then interactive testing of the player through employment of the user interface logic and the user interface system, on the training-stylized non-live data decomposed into the plurality of training courses that comprises a first training course and a second training course, that teaches the player by communication with the player through employment of the user interface logic and the user interface system the first learning goal on customer behavior in retail lending through completion of the first training course at a first time interval in the what-if training tool and teaches the player by communication with the player through employment of the user interface logic and the user interface system the second learning goal on customer behavior in retail lending through completion of the second training course at a second time interval in the what-if training tool.