Which NMLS Continuing Education Format Is Right for You?

by
nmls continuing education

MLOs have options when it comes to completing Continuing Education. The right format isn’t about what looks good on paper, it’s about what actually fits your learning style, and schedule. Here’s the breakdown:

1. Online Self-Study (On-Demand Courses)

Pros:

  • Maximum flexibility: Log in anytime, anywhere. Great if your schedule is unpredictable.
  • Self-paced: Move fast if you already know the material, or slow down if you need to review.
  • Cost-effective: Usually the cheapest option.
  • 24/7 access: You can fit CE into nights, weekends, or downtime between appointments.

Cons:

  • Distractions: If you’re not disciplined, you’ll procrastinate or multitask and retain nothing.
  • Limited engagement: No live instructor or class interaction. If you get stuck, answers come from FAQs or email support.
  • Compliance traps: Courses use timers or quiz checks, don’t assume you can just “click through.”

👉 Best for: MLOs who are independent, self-motivated, and comfortable learning solo.

2. Live Webinars (Virtual Classrooms)

Pros:

  • Structured schedule: A set time means you’re forced to finish. No putting it off.
  • Live interaction: You can ask questions and get real-time answers.
  • Compliance confidence: Attendance is tracked automatically, so your hours are documented.

Cons:

  • Fixed times: You have to show up on schedule, which can clash with client meetings or personal obligations.
  • Tech issues: Bad internet = wasted time.

👉 Best for: MLOs who need accountability and like a mix of structure with the flexibility of staying home.

3. In-Person Classes

Pros:

  • Focused environment: Fewer distractions, you’re there to learn.
  • Face-to-face interaction: Networking with other MLOs and instructors can be valuable.
  • Hands-on guidance: Immediate feedback, easier to ask questions in depth.

Cons:

  • Least flexible: You have to physically attend—no rescheduling if something comes up.
  • Travel time and costs: Gas, parking, possibly hotels if it’s not local.
  • Limited availability: Fewer sessions offered compared to online formats.

👉 Best for: MLOs who learn better in person, want networking opportunities, or need an environment free from digital distractions.

Which Format Should You Choose?

  • Busy, self-driven MLOs? Go with online self-study—just don’t procrastinate.
  • Need accountability but still want convenience? Live webinars strike the balance.
  • Prefer structure, networking, and face-to-face interaction? In-person classes are your fit.

At the end of the day, all three formats can keep you compliant, what matters is choosing the one you’ll actually complete on time without cutting corners.

Leave a Comment