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Everything you need to know about your Prodigy Finance interest rate and loan

Prodigy Finance launched in 2007, providing loans to international MBA candidates at INSEAD. Funds were crowdsourced from alumni, financial institutions and socially-aware investors to support students who often experience difficulties securing sufficient educational loans in their home or host countries.

We’ve funded thousands of international students since our inception. If you’re thinking of joining this cohort of international explorers, you’ll likely be looking for funding to get you where you’re going.

Prodigy Finance is here to help with an international education loan product that understands your challenges and opportunities. This article will explore everything you need to know about how Prodigy Finance works, your Prodigy Finance interest rate and loan, and the process of getting you to campus.

Why should you get your international student loan from Prodigy Finance?

There is a lot that separates us from traditional banks. From our application process, to our funding sources to our understanding of cross-border lending (and how to use your education loan to help you secure your visa). But what really separates us from the rest is how we value you as an individual with potential.

We’re less interested in your history and more focused on your future. Here’s how we’re able to do that.

Prodigy Finance’s interest rate is calculated based on your Future Earnings Potential

One of the key differences between traditional lenders and Prodigy Finance is the model used for underwriting risk on loan products.

Traditional banks work only with historic and current financial data when assessing borrowers. While the data banks consider varies between countries and banks, it’s safe to say that they don’t consider future salary increases post graduation when extending loans to masters students - whether they’re studying domestically or internationally.

However Prodigy Finance’s Future Earnings Potential model does consider the future earning potential of loan applicants, and uses additional data to determine the risk and maximum amount a student is eligible to borrow. Working with a growing number of students and schools over the years has enabled us to continually refine our dataset. This, along with increased funding sources has enabled larger loans with reduced interest rates.

Prodigy Finance loan calculator: Check out an example of how we calculate your education loan interest rate.

How to get your Credit Report for your Prodigy Finance education loan

We’re able to lend to people from around the world and one of the key factors that allows us to do this, is a credit report. This allows us to understand the health of your credit history so we can determine what will work best for you in the future.

They vary from country to country, so it’s important you understand where to find your credit report.

Prodigy Finance now reports to Experian in the US and are working to extend this to additional credit bureaus. This has immense benefits for international students hoping to remain in their host countries post-graduation. Your Prodigy Finance student loan will reflect on your credit history, establishing borrowers financially in their host country.

More than an international student lender

You’re not just another borrower to us. We’re an international student loan provider, developed by former international students. We want to stay with you on your journey to higher education.

From arriving on campus, to your graduation and beyond - we care about what you do. We won’t penalise you for early repayments and we don’t ask for a co-signer or collateral.

Understanding your Prodigy Finance loan for studying abroad

Your international student loan will be one of the biggest financial decisions you’ll have made to date. That’s why it’s important to understand the details, the maths and variables around your Prodigy loan.

How is your Prodigy Finance interest rate determined?

Different loans and lenders use different methods to determine the interest due. Broadly speaking, there are two types of interest:

  • Fixed interest - this is a flat rate. The interest rate you pay won’t change over time; if it’s 10%, it’s always 10% until you’ve repaid your loan in full.
  • Variable interest - this interest changes over time, taking into account various market factors.

Prodigy Finance uses a variable interest rate model, as do many educational loan providers throughout the world.

When discussing variable interest rates, it’s important to note that there are always two different parts that form the Prodigy Finance interest rate:

  • Base rate - this is the variable portion. Examples of base rates include Prime, London Interbank Offered Rate (LIBOR), and Marginal Cost of funds based Lending Rate (MCLR). Base rates have different methods of calculation, but all take into account broad market factors in the country or countries where they’re used.
  • Fixed margin - this is a borrower’s personal risk rate - and always floats on top of the base rate for any variable interest loan. The same is true in India as it is in the USA as it is in Japan as it is in Brazil. The fixed margin is calculated using your personal past financial data (and, in the case of Prodigy Finance rates, Future Earnings Potential).

*If you have a variable interest loan, these two components will always be there, whether they’re explicitly called out or not. *

At Prodigy Finance, we believe that complete transparency better equips potential borrowers to make responsible financial decisions. That's why we will always provide your fixed margin rate as well as the base rate used to calculate your interest rate.

LIBOR rates and Prodigy Finance interest rates

One thing all base rates have in common is that they’re variable. It’s as true for MCLR as it is for Euribor. These rates change according to market factors. They’ll all rise and drop over the course of any loan period.

Prodigy Finance uses the 3-month LIBOR, or US LIBOR as the base rate for loans. The applicable rate is dependent on the currency of your loan.

For example, if you secure a Prodigy Finance loan to study in the United States, US dollars is the currency of your loan and the corresponding base rate is US LIBOR.

One reason for choosing LIBOR is the transparency of these base rates. Not only are the calculations available, but the rate and all changes are public; you can check LIBOR at any time.

APR and your Prodigy Finance loan

Annual percentage rate (APR) is a standardised method of assessing and comparing loan products. It is not your interest rate.

It includes the interest rate (which, if it is a variable interest rate, will include both the fixed margin and the base rate - whether it’s Prime, LIBOR, MCLR, or another base) as well as any fees associated with an education loan for abroad.

Providing interest rates separately from fees makes it too difficult for most borrowers to see the full cost of their loan which is why APR is used.

While APR calculations aren’t used in every country, anyone who plans to study and perhaps live in the US or UK should definitely take a moment to understand APR as it’s legally mandated in these countries as it provides a more-complete picture of your loan costs.

In the case of Prodigy Finance loans, APR includes the interest rate (fixed margin plus base rate) plus the Prodigy Finance processing fee, also known as the admin fee.

If you have the APR of two loan products with the same currency, you can use it to compare them directly. That’s not possible when comparing interest rates (as you won’t get the impact of the fees associated with your loan). You also cannot compare interest rates to APR.

The Prodigy Finance application process

The 7-step Prodigy Finance application process is vastly different to the approach most financial institutes take:

  • It is entirely online.
  • It takes only 30 minutes to get a quote.
  • It is completely free, and doesn’t lock you in until you’re ready.

And because we provide you with a commitment-free quote while you’re researching your options, you’re able to apply whenever it suits you.

Understanding how to complete the loan application is easy and our international team is always on-hand to help you through the process. You apply, we verify and you’re all set.

Check out this infographic for an idea of how easy our entire process is.

How to repay your Prodigy Finance loan

Budgeting for your international student loan repayments should be an important consideration for anyone ready to study abroad.

We know that and our team works hard to make repayment as simple as possible for you. We've developed an app (available in iOS and Android) that helps you access your loan information wherever you are so you can pay your loan on time.

Here’s a recap of some other Prodigy Finance repayment features:

  • You’re only required to start repaying your loan 6 months after classes end.
  • You have a wide range of payment options.
  • You’ll never be penalised for making early or bulk payments.

If you’re ever worried about not being able to repay your loan, our team is there to develop a payment strategy for you. We understand what it’s like to be an international student and we’re always ready to help.

Myth #1 - Prodigy Finance has hidden fees

Incorrect. Prodigy Finance loans have no hidden fees.

You’ll be able to see exactly what’s attached to the amount of money you borrow. There is also a 5% admin fee.

There are no other fees attached to your loan so long as repayments on the loan are up to date or ahead of schedule. It's important to note though that we're currently offering loans in USD only. If you take a loan to study outside of the US, and your loan needs to be converted to GBP/EUR, you'll be responsible to cover any shortfalls if your loan amount is lower than your approved loan amount.

Provided you make the minimum required payments, you’ll never see forex conversion, additional Prodigy Finance processing fees, sanction letter fees, payment charges, insurance, taxes, or any other fee on your Prodigy Finance loan. The only applicable fee is your admin fee, so long as your account is in good standing. We add a maximum of 5% of the amount you borrow from Prodigy Finance to the total loan amount.

The admin fee is only applied to the amount you borrow. It’s possible to reduce the size of your loan from Prodigy Finance to the minimum amount for your programme and school - even after accepting your loan, but before signing your loan agreement when arriving on campus. Doing this reduces your admin fee accordingly - and is one of the reasons why you don’t need to pay the admin fee when you initially accept your provisional loan offer.

Myth #2 - Prodigy Finance can’t fund the full cost of your studies

The maximum loan amount that an international student is able to borrow from Prodigy Finance is dependent, in part, on the university and programme they pursue. In some cases, this may be up to 100% of the total Cost of Attendance (CoA), which equals tuition plus living expenses, as provided by the university.

However, not all students are approved to borrow the full amount based on their personal financial profile and the financial earnings potential data available for the course in question.

When 100% of the CoA is not borrowed from Prodigy Finance, it's critical that borrowers demonstrate to Prodigy Finance that additional funds are available for their education. The demonstration of adequate funding is required to secure international study visas.

Demonstration of available funds is different from having this amount in your bank account; funds do not need to be liquid at this stage.

What’s critical is that you’re able to demonstrate the remaining amount needed to meet the school’s stated cost of attendance. Students wishing to study in the United States must prove they have access to the full CoA at the same time as you must submit proof to receive your I-20 form - and there is no way to apply for a US F-1 student visa without the I-20 form and you are not officially enrolled in a university until this occurs.

Students who are unable to prove to the university that they have sufficient funds to meet the stated CoA will be denied an I-20 form and will not be able to submit an international student visa application.

With these rigorous standards in mind, and because the majority of Prodigy Finance borrowers pursue their masters degrees in the United States, Prodigy Finance works with best practices to assist students and their universities to ensure the minimum financial benchmarks needed for visa processing are met.

Myth #3 - Taking a Prodigy Finance loan is a bad idea because of interest rate parity and forex charges

At Prodigy Finance, we believe it’s important for potential borrowers to review all of their available loan options before making a decision that’s personally and financially responsible.

For example, international students pursuing an American masters degree, should consider loans from US banks, alongside a Prodigy Finance loan, alongside loans that may be available from a student’s home country.

The last part is where it becomes quite tricky as you can easily compare the APR of a loan from a US lender to the APR provided from Prodigy Finance as they’ll both be available for a US dollar loan amount. But, what are you supposed to do when the loans available in your home country are in rubles, rupees, or reals?

Tricky, right?

And, if you don’t have a finance or economics background, you might be tempted to run a search on Google for a tool to help you compare interest rates between currencies, such as interest rate parity.

However, to understand the behaviour of your currency, you can’t look at interest rate parity in isolation.

There are several variables you must bear in mind:

  1. Budget deficit: If the government spends more than it earns, it’ll issue additional domestic currency.
  2. Trade deficit: If the economy exports more than it imports, it’ll earn more foreign currency.
  3. Monetary policy: Interest rate differential could impact the currency (this is known as Interest Rate Parity).
  4. Inflation: When an economy experiences inflation, domestic prices impact domestic currency.
  5. Productivity: When the economy has higher productivity, enhanced production eases domestic currency.
  6. Foreign Institutional Investors (FII) and Foreign Direct Investments (FDI): Institutional investors chase the best returns in global markets, while the inflow of foreign capital benefits domestic currency.
  7. Central bank intervention: Central banks (and markets) prefer stable currencies and will intervene with their foreign exchange reserves to maintain stability.

Borrowers without an economics background should always be careful of using such models to make financial decisions - and may want to consult financial advisors if they’re concerned about potential forex losses.

That’s not to say, however, that international students shouldn’t be concerned about currency exchange rates.

In our example of an international student pursuing an American masters degree, Prodigy Finance mitigates at least one major forex concern by disbursing the principal loan amount directly to the school in US dollars. For students wishing to gain greater experience by remaining in the US with a valid work visa may find a loan in US dollars to be the easiest for them.

Myth #4 - You shouldn’t take a Prodigy Finance loan because you won’t get a tax break

Prodigy Finance is both an international loan provider and a responsible lender. That’s good news for borrowers as we adhere to the highest financial standards. And, it’s important to note that there are other factors that may impact your choice of loan offers than simply the APR or amount of loan you may qualify for.

In some countries, you may receive tax breaks on the interest paid on an educational loan. As an international loan provider you won’t qualify for these deductions.

If you or a co-borrower (which is not the same as a co-signer) has an exceptionally high income and would benefit from such tax exemption, you may indeed want to consider a local loan if you live in a country that provides for such a tax break.

On the other hand, to reap these benefits, you’ll need to repay your loan over an extended period rather than paying it off as quickly as you possibly can. It’s impossible to advise generally on the correct balance between interest and tax deductions; this is something to discuss with a private financial planner, as there are plenty of variables that will affect your situation.

Over the past decade, Prodigy Finance has found that many students are interested in:

  • Remaining in the country of study after graduation to gain additional experience.
  • Repaying their loan as quickly as possible. As 78% of Prodigy Finance borrowers hail from emerging economies, they also prefer to repay loans while they are still in their host country to minimise currency fluctuations.

Either one of these points separately, but definitely both together, negate the benefits many borrowers might receive from tax breaks. It’s worth looking at your long-term intentions.

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Choosing the best education loan for you

Not everyone has a full range of choices when it comes to international student loans. The banking norms in some countries attach certain minimums, requirements, or stipulations that some students simply can’t meet.

However, borrowers that do have a choice should consider all of the education loan details. While we can’t speak for other loan providers or their borrowers, we know that having a no-collateral, no co-signer option makes a big difference to many of our borrowers. Not only that, but we support students through their international masters study through career services and future networking events.

Ready to get a Prodigy Finance loan?

Our collateral-free loans can help you fulfil your dreams of studying abroad.

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Sours: https://prodigyfinance.com/resources/blog/myths-busted-prodigy-finance/
Name Icon(s) ID Description How to Obtain Gold CoinsGoldCoins.png1 The gold standard for shopping. Earn these from quests, battles, and more! Battle Chests, Rewards from NPC's with quests, Dyno DiggingCopper CoinsCopperCoins.png3 A rusty old coin. Used for buying rare artifacts from the Wandering Wares Merchant. Battle Chests or Dyno DiggingTitan ShardsTitanShards.png11 Shards broken off a Titan created by the Order of Influence. Can be given to a Floatling to have its Shadow magic removed from it, in exchange for rare items. Battle Titan or win some after completing a certain amount of victories against it and the Titan falls Academy PagesAcademyPages.png19 Adventure through the Academy's Archives to collect these pages, then exchange them at the Academy's shop. Battle, find, or spin the Archive wheel and get a duplicate of certain items. Golden PagesGoldenPages.png18 The primary currency of the Academy Archives. Five of these are collected per Archive run to summon a prize! Find in Academy Archives FloransFlorans.png13 Adventure in Firefly Forest to earn these woodland coins, then spend them at the Firefly Outfitters shop. Battle in Firefly Forest or the Earth Tower, Spin wheels ShiversShivers.png15 Adventure in Shiverchill Mountains to earn these icy coins, then spend them at the Snowday Sales shop. Battle in Shiverchill Mountains or in Crystal Caverns, Spin wheels AerosAeros.png16 Adventure in Skywatch to earn these mechanical coins, then spend them at the Sky-High Values shop. Battle in Skywatch, Spin wheels Hot-HotsHotHots.png12 Adventure in Bonfire Spire to earn these lava chips, then spend them at the Hot-Hot Threads shop. Battle in Bonfire Spire, Spin wheels YarsYars.png14 Adventure in Shipwreck Shore to earn these pirate coins, then spend them at the Ocean Outfitters shop which is owned by Athena. Battle in Shipwreck Shore, Spin wheels Magic EggsMagicEggs.png17 These magical eggs are only found when the Springfest is active. They can be collected by adventuring or performing Springfest activities. Spend them at the Fox or Bunny shops. Battle during SpringfestSand DollarsID20.png20 The primary currency of Summerfest. These are used to buy cool items, hair styles, and hair colors in the town square during the event! Battle during SummerfestStar ShardsStarShards.png4 The Primary Currency of the Starlight Festival. These are used to buy costumes and cool items in the town square during the event! Battle during Starlight FestivalDragon FliesDragonFlies.png10 The Captured Dragon Flies can be traded to Mama Star for special dragon-like items. Battle during old Starlight Festival. (No longer obtainable) Candy CornCandyCorn.png2 The primary currency of Pumpkinfest. Used to buy costumes and cool items in the town square during the event! Battle during PumpkinfestMagic SnowflakesMagicSnowflakes.png5 Primary Currency of Winterfest. They are used to buy costumes and cool items during the event! Battle during WinterfestPlant Research PointPlant Research Point.png23 Obtainable from Floatling Fling. Tower TownIce Research PointIce Research Points.png22 Obtainable from Floatling Fling. Tower TownStorm Research PointStorm Research Point.png25 Obtainable from Floatling Fling. Tower TownFire Research PointFire Research Point.png21 Obtainable from Floatling Fling. Tower TownWater Research PointWater Research Point.png24 Obtainable from Floatling Fling. Tower TownWoodWood.png9 This special wood was used by Floatlings to construct makeshift houses as they traveled around the island in search of knowledge. Battle in the Lost Island (Formerly)
Sours: https://prodigy-math-game.fandom.com/wiki/Category:Currency
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  3. Ole piper delivery

Premium Memberships

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It’s a new school year and a new opportunity to make a difference in your child's education with a Premium Membership. Easily track learning progress and provide support exactly where they need it.

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Parents just like you are using Prodigy to make math fun!

"Prodigy is an engaging way to keep your child interested in learning new math skills and facts."

"My son actually begs me to let him play Prodigy."

"Prodigy is a great way to get kids who don't like math into math."

Benefits for parents

  • Practice Areas: Get insights to support them where it matters
  • Practice Sheets: playful printable curated question sets
  • Video Lessons: Level up learning at home with curated videos lessons
  • Classroom Learning: See what they’re learning in class with Prodigy
  • Advanced reporting and goals / More detailed dashboard
  • Access to upcoming premium features
  • Reward and motivate your child to keep learning

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Benefits for your kids

  • 100+ pets, gear and accessories
  • Full access to all game areas
  • Extra in-game rewards and prizes
  • As always, access to all educational math content

Premium memberships automatically renew and can be cancelled at any time

What’s included for parents

  • Basic reporting and goals

What’s included for kids

  • Access to all educational math content

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Buy any membership package and your child will receive an Epic pet to help them on their Prodigy adventures!

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When learning is this fun, the journey never stops! Premium Memberships make math extra engaging, so your child will be eager to keep growing and turn playtime into learning time!

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Exclusive tools to support them with ease

Practice Areas

Get insights to support them where it matters

Get detailed insights to see how your child is advancing — without looking over their shoulder.

  • Find out exactly where they excel or struggle.

  • Get specific question examples for each concept.

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Practice Sheets

Bring math learning back into the offline world

Overcome learning obstacles before they become problems with perfectly timed printables.

  • Take Prodigy offline and increase personalized math learning when they need a break from screens.

  • Pair math work with exclusive Prodigy art they can color in and you can display on the fridge.

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Video Lessons

Level up learning at home with curated video lessons

See where your child is struggling and pull up the right lesson with one click.

  • Curated based on where your child is struggling.

  • Available for all of Common Core math curriculum.

  • Created by professional math instructors.

  • Available in-game: non-curated videos that guide your child through math problems.

Classroom Learning

See what they’re learning in class with Prodigy

Stay connected to your child's classroom from anywhere and find out how their teacher uses Prodigy.

  • See past, present and future Prodigy homework assignments.

  • Get detailed classroom progress and homework results.

  • Over 2 million teachers use Prodigy to help their students love learning!

Their learning never stops. Be the difference today.

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Our mission is to help every student in the world love learning. Your subscription not only supports your child's development—it allows us to continue providing all of the educational content in our math game for free to students and schools, forever.

Sign up for a free parent account to track your child's progress as they learn math and work through grade levels with Prodigy.

  • See how many questions they answer, the grade level they are performing at, and the areas where they need more practice.
  • Set learning goals and send in-game rewards to motivate your child.
  • Access a Curriculum Progress report and monthly Report Card to track their performance.

With a Premium Membership, your parent account gives you all these features and more! Get extra insights to support your child's learning even more.

Prodigy's math questions are based on the curriculum your child is being taught in school. All of the content is organized by grade level and meets curriculum standards. More about Curriculum Alignment.

Prodigy determines your child’s skill level using a placement test, giving your child harder or easier questions as they play to figure out where they stand.

The placement test starts immediately and runs in the background as the game is played. It begins at one grade below the grade that you or your child selected when setting up their account, and then works upwards to determine your child’s actual grade level. After the test ends, the difficulty level continues to adapt, revisiting pre-requisites or jumping ahead depending on how your child performs.

When playing the game, no personal information, or inappropriate language can be shared or seen by any other user.

Prodigy is serious about protecting the privacy of teachers, parents and students. We have partnered with an independent privacy expert (iKeepSafe) to ensure full compliance with all federal privacy legislation (like FERPA and COPPA) as well as state legislation (like SOPIPA or AB1584 in California).

If you bought a membership through the iOS app, and you have questions or concerns regarding cancellation, our family discounts or changing the length of your membership — please read our customer support article.

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Best Ways to save Money on Prodigy Premium Memberships

Backpacks, binders, pencils, lunches, new backpacks, those trendy shoes everybody wants….

With so many things on kids’ shopping lists, many parents have become all too familiar with discount codes, coupons, and the rush that comes with finding a good deal. 

This unique school year might have you looking for ways to fitonline learning resources into your budget. But you still want to be careful about where you spend your money and save as much of it as you can. We completely agree! 

If you're considering a Premium Membership package — to encourage your child to answer more math questions, help them master key skills and get insights into their learning — we want to help you get the best deal.

That’s why we put together a full review of all our membership offerings to help you save as much money as you possibly can!

What does a Premium Membership include? 

Before you spend money on a Premium Membership, you might wonder: what does it even get my child? What's in it for me? And is it worth it?

Premium Memberships unlock extras that help your child love learning and give you exclusive features to help you track and support your child's learning. Each membership tier offers more of these exclusive features for you and your child to benefit from.

1. Prodigy Level Up

This membership package is the first upgrade from a free Prodigy Basic account.

A Level Up membership gives students the ability to:

  • Track down and tame in-game Epics
  • Rescue and evolve all 100+ Prodigy pets
  • Access hundreds of members-only items, gear and in-game areas

And for parents, Level Up means:

  • Motivating your child with Goals, Rewards and encouraging Cheers
  • Seeing how your child is progressing with Comparison Insights and Practice Areas tools
  • Adjusting the difficulty of the questions your child encounters in-game with the Grade Override tool
  • Getting customized Video Lessons and printable Practice Sheets to support your child where they may need help

2. Prodigy Ultimate

This step-up gives you and your child access to everything in Level Up, plus:

  • The ability to set more challenging Goals and choose from over 40 exciting in-game Rewards
  • An Ultimate Member Box in the game for your child, with one exclusive Ultimate item and one exclusive Ultimate pet per season

All the exciting membership extras keep kids super engaged and excited to play Prodigy, all while you support them with ease!

This means:

  • More questions answered
  • More curriculum-aligned math skills mastered
  • More time spent practicing math (yep, they’ll even choose it for their free screen time!) 

It's a win-win. More Prodigy time = more ways for you to understand how they're learning and find easy ways to support.

When your child is motivated to answer adaptive math questions in Prodigy, you'll see positive results during the school year and help them develop a growth mindset to achieve success throughout their learning journey!

Save big on Premium Memberships now!

Ways to save on the cost of Premium Memberships 

How much does it really cost to be a member on Prodigy? 

Are there ways to make it more affordable for your family? 

Let’s find out! We’ll give you a full breakdown of each of our offerings. 

Before you start, ask yourself these questions:

  1. Which Premium Membership package are you interested in?
  2. How many children do you want a Premium Membership for?
  3. How long do you want your Premium Membership to last? 

Now read below to find the option that best fits those answers.

1. Which Premium Membership package are you interested in?

Prodigy Level Up

This package is the most popular choice for parents and kids. If your child is a regular Prodigy Math Game player, you'll both love the awesome features Level Up includes.

The base price for the Level Up package is $9.95 USD per month, per child.

Prodigy Ultimate

This package is the perfect choice if your child is a BIG fan of Prodigy Math Game and wants more in-game extras. It's also an excellent option if you're looking to motivate your child to learn more with 40+ in-game Rewards they can choose from when they achieve their Goals!

The base price for the Ultimate package is $14.95 USD per month, per child.

2. How many children do you want a Premium Membership for? 

One child — Individual Premium Memberships 

Advantages:

  • Perfect for families with one child who plays Prodigy
  • Lower total cost for one child compared to the cost of multiple children

Considerations:

  • More costly for each child if you want two or more Memberships
  • If you want to purchase an additional Membership for another child, you would have to cancel your current individual Membership to access the family discount. 

Two or more children — Family Premium Memberships

Advantages: 

  • Perfect for families with more than one Prodigy player in the same household. 
  • Saves 25% on the cost for each child. 

Considerations: 

  • You’ll spend more money overall than you would for one individual child
  • If you remove a child and only have one active Membership, you lose the family discount 

3. How long do you want your Premium Membership to last? 

Note: All Memberships automatically renew at the end of their given time period. 

Less than one year — Monthly Premium Membership

Billed: 

Advantages:

  • Good for indecisive Prodigy players — monthly payments give you the flexibility to cancel your Membership whenever you like
  • Payments automatically renew each month 
  • Individual payments are lower

Considerations: 

  • Most costly option in the long run (especially if you keep your Membership for more than six months) 
  • More frequent payments

Cost per child — Individual Memberships (USD):  

  • Level Up — $9.95 monthly. This works out to about $2.30 weekly or $119.40 yearly.
  • Ultimate$14.95 monthly. This works out to about $3.45 weekly or $179.40 yearly.

Cost per child — Family Memberships (USD):  

  • Level Up — $7.46 monthly. This works out to about $1.72 weekly or $89.52 yearly.
  • Ultimate$11.21 monthly. This works out to about $2.59 weekly or $134.52 yearly

A year or more — Yearly Premium Membership 

Billed:

Advantages: 

  • Perfect for children who love Prodigy and will stay engaged throughout the year
  • Better value and lowest cost overall — cheaper than keeping a monthly Membership for the same amount of time
  • Much less frequent payments

Considerations:

  • Bigger commitment
  • Larger individual payments

Cost per child — Individual Memberships (USD):  

  • Level Up — $6.25 monthly. This works out to about $1.44 weekly or $75 yearly.
  • Ultimate$8.33 monthly. This works out to about $1.92 weekly or $99.96 yearly.

Cost per child — Family Memberships (USD):  

  • Level Up — $4.69 monthly. This works out to about $1.08 weekly or $56.28 yearly.
  • Ultimate$6.25 monthly. This works out to about $1.44 weekly or $75 yearly.

So, which Premium Membership plan should you pick? 

Now that you’ve seen all the possibilities, you can make an informed decision on which plan is best for your family. 

Based on our review of each option, your best value is a yearly family Level Up plan. This is perfect if you have more than one child who wants a simple but thorough Premium Membership offeringand you're confident they’ll enjoy it for the rest of the year. 

If you choose this plan for two children, you’ll save about $126.24 when compared with a year’s worth of two individual monthly Memberships.

By the end of the year, that’s like getting a free Membership for one child, and then some!

But this plan won’t be a win for everyone — it all depends on your needs.

Think about the advantages and considerations for each option to figure out what’s right for you, and what will help you save the most in the long run. 

3.  Click on the Purchase a Membership button. 

4. You’ll be brought to ourPremium Membership page. Choose your plan, then select Buy now for the one you want to sign up for.

5. Check the box beside the child's name that you want to purchase the Membership for.

6. Select Continue to payment details, then enter your payment on our secure site. 

7.  Click on Continue to review purchase to complete your order.

Get 25% off your Premium Membership now!

Want more information? 

We have the answers to your most asked questions right here!

1. How can I pay? 

When you sign up for your Membership, you’ll be taken through an online payment process where you can enter your credit card information. 

We accept Visa, MasterCard, or American Express. 

All payments will be billed in USD (unless you’re in Canada, in which case the price will be converted to CAD on your credit card statement).

2. If one child is already a Premium Member and I want to add another, how do I get the family discount? 

There are two possible ways to do this:

  1. Contact our Customer Support team and have them help you through the process. 
  2. Cancel your existing Membership, then go through and repurchase a Premium Membership. This time, select your preferred family discount option and apply Memberships to each child. 

3. How do I withdraw a Premium Membership and reapply it to the correct account? 

Did you apply a Membership subscription to the wrong account, or has your child created a new account? Follow these instructions to get your Membership on the right account.

Do you have more questions that we haven’t answered above? Contact our Customer Support team — we’re always happy to help!

Ready to motivate your child to love learning? 💖

Get a Premium Membership now!
Sours: https://www.prodigygame.com/main-en/blog/ways-to-save-on-prodigy-memberships/

Prodigy money

CCSS aligned role-playing math game for grades 1-8.

Overview

Prodigy is an online video game with a built-in mathematics curriculum that is geared toward elementary and middle school students. The game immerses students in a fantasy world that they can freely explore as they battle enemies, collect items, upgrade their characters, and interact with other classmates and players, all while answering mathematics assessment questions that are tracked and monitored by the teacher. The game is completely free to play, however a full-featured premium subscription can be purchased by families for $8.95 per month or $59.88 per year.

APPROACH

Teachers create a free account on Prodigy’s site and can then start setting up their classes to play the game. Teachers must first select the desired curriculum, grade level, and topic (i.e. “Counting,” “3D Shapes,” or “Ratios”) with which they’d like to begin. As of February 2016, Prodigy’s curriculum offering includes Common Core State Standards, as well as curriculum specialized for Texas, Florida, and Ontario. Upon completion of this brief set-up, teachers are provided with a link and an access code so that students can create their accounts and connect to their appropriate class.

When students log on for the first time, they will be prompted to enter all of the necessary class information, choose and customize their avatar, and create a name for their player. They will then be guided through a tutorial of the game that serves as both an introduction to how to play Prodigy, as well as a diagnostic test to be used for appropriate placement of students within the math curriculum.

The game itself involves exploring a fantasy world filled with quests, treasures, friends, enemies, and battles. During these battles, students must answer mathematics assessment questions in order to inflict damage on their opponents. These questions come in the form of multiple choice or fill-in-the blank items. While answering a question, students can have the question read aloud, view a hint about the topic, draw on a blank canvas to show their work, and even drag and drop virtual manipulatives, such as base ten blocks and fraction strips. As students win battles, their characters get upgraded and receive coins to be later used for the purchase of equipment, armor, and house decorations. While roaming around the world, students can interact in real-time with other players in the game and choose to battle, converse, view stats, and share items with them. They can also view how their character ranks among their classmates’ characters.

The more that students play through the game and answer questions, the more data that is collected for the teacher to review and analyze. When teachers log on to their dashboard, they can view a series of snapshots for progress monitoring, including a list of their top students (based on number of correct answers submitted), a graph of the number of questions answered by students at home and in class, as well as a breakdown of the skills with which students are currently struggling. For more detailed data analytics, teachers can use the reporting feature to see a complete list of individual student progress on all topics and subtopics. For every subtopic teachers see a list of the students who are struggling, haven’t started, currently progressing, or mastered. Included in this breakdown is a sample item for the subtopic so teachers can be sure they know what the subtopic is assessing. Other reports available to teachers include item analysis, usage impact, individual student progress, and a curriculum report that shows how Prodigy’s skills align with the current content in the classroom. Teachers can always have Prodigy automatically assign topics to students based on the diagnostic test and selected curriculum, however they also have the option to create assignments by hand-picking the content from the topic list, choosing the number of questions, and assigning to individual students. For teachers who need additional support on how to best utilize Prodigy’s features, a selection of video tutorials and free webinars are available on the site.

PRICING

Prodigy is free for students to play, and there is no cost at all for teachers to implement it. However, a premium membership is available for families to purchase for $8.95 per month or $59.88 per year. This premium membership does not provide any additional educational content, but instead gives students access to more in-game content, such as items, treasure chests, and pets. 

Sours: https://www.edsurge.com/product-reviews/prodigy
Protoje - Blood Money (Official Audio) -- A Matter Of Time

Harry volunteered to bake an apple pie for "his girl", so he was busy at the oven. And I sat astride a stool to administer, as it seemed to me, justice. He shuddered, looked at me in surprise. It didn't seem like he had set it up.

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Super. I said to myself As soon as I put the bags with suitcases on the floor and lay down on the sofa to rest. A little after the train, my mother looked at her watch and said: We are just in time for breakfast.



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