Application Layer

The services of learners and educators are provided by the application layer. The different services include issue of books from library, admission details, fee submission, and providing grade sheet and language translation. The educator and the administrator are responsible for providing the above said services to the students. So, the application layer is the interaction layer between the learner, educator, and the administrator.

The Integration Through Web Services Standards Layer

The integration of all the services and applications in different formats is done in this layer. The architecture ensures availability, scalability, and performance, as well as the ability to simultaneously deliver data, audio and video. This layer also manages security, quality of service and content distribution. It enables e-learning providers to register entire learning applications as binary large objects (BLOBs).

The Delivery Devices Layer

The delivery devices layer is used to deliver the content with the help of devices compatible with the Internet. The flexible services architecture support the “on the go” communication systems including cell phones, e-mail, PC, AM/FM radio, and global positioning systems.

The Human Layer

The human layer consists of learners, administrators and educators. This layer shows that on one side the educators and administrators have interface with application layer and on the other side there is a direct interaction between the educator and the learner regarding communication, feedback and other learning objects and have the interface with the end user layer.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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