Scion Solutions has brought the exciting world of interest rates, credit history, and fiscal responsibility to members of the virtual world of Whyville.net. Whyville is an online community for kids and young teens, ages 8 to 15, with an aim of educating and engaging kids in a fun, stimulating Web-based environment.

Back in May, Whyville introduced the Toyota-sponsored virtual Scion xB. Since then the car has quickly become a hot commodity for the virtual citizens of Whyville. Unfortunately, though, most Whyvillians don't have enough Whyville currency, called "clams," to afford a Scion. This is why Toyota Financial Services teamed up with the makers of Whyville to create Scion Solutions, for Whyvillians who need financing.

"Whyville Scion Solutions is a perfect example of motivated, engaged learning," explains Dr. Jen Sun, President of Numedeon, Whyville's parent company. Whyvillians go through the real-life loan process guided by a virtual Toyota Financial Services advisor who teaches them about interest rates, down payments, and their WhyCO scores.

WhyCO works like the real FICO: It scores players based on virtual income, ownership of a Whyville house or business, number of log-in days in Whyville, and leadership roles in the community. Whyvillians also face real-life consequences: If they default on a loan, they lose the car and ruin their credit history.

To date, Whyvillians have purchased more than 1,200 Scions and gone on 140,000 rides in their cars. With the introduction of Scion Solutions, many more Whyvillians will be able to join in on the fun while learning valuable real-life lessons about financing and fiscal responsibility.

To read "Auto Oddities: Drive Your Message Across," click here.