1. A computer-implemented method for managing modular remittances in a modular learning system comprising: maintaining a learning user database including a plurality of learning users, each learning user associated with an account balance; maintaining a remitted user database including a plurality of remitted users, each remitted user associated with a remittance cycle; maintaining a learning application database including a plurality of learning applications, each learning application associated with metadata describing a service charge and the remitted user in the plurality of remitted users; receiving, from a user device operated by the learning user in the plurality of learning users, a purchase request specifying the learning application in the plurality of learning applications; calculating an updated account balance by subtracting the service charge associated with a specified learning application from the account balance associated with the learning user; determining a time to remit the service charge associated with the specified learning application based on the remittance cycle associated with the remitted user associated with the specified learning application; remitting the service charge at a determined time; and displaying the updated account balance to the learning user.