How about "installment-plan" SAP Educaton in the newer SAP technologies ?
OK - so SAP wants more customers doing the new SAP advanced technologies.
If that's the case, SAP should want more folks out there who are qualified in these advanced technologies - BI, XI, WebD, etc.
So, why not offer SAP Education on the installment plan with a 5% interest-on-balance fee?
Is the idea too simple?