Training Credits

Whenever you level in an adventure school (or perhaps whenever your rating goes up... to be determined), you earn one training credit.  These credits don't appear anywhere that can be easily discerned, but they are there!  To redeem them, you need to find the appropriate NPC.  They are scattered widely throughout the world, so you will probably have to do some running.  You will know you have found one of these NPCs because they have appellations such as 'the Focused' or 'the Mindmaster'.  Here is a list of Masters found so far:

Strength - Harro

Dexterity - Kion - 20536, 24446 - top floor of the militia barracks

Focus - Player town just west of Dalimond

Power - Floating Island

Health - Aughundell - 24856, 25577

Crush - Dalimond - 22737, 22651

Pierce - Morning Light

Slashing - Tazoon - 23656, 24922 - above the south gate

Bow - Dalimond - 22926, 22792

Unarmed - New Rachival

Nature - Mahagra - 23406, 30989

Spirit - Aughundell (NW of town) - 24962, 26147

Energy - New Rachival

Mind - Floating Island

Flame - Dralk - 22528, 29035

Life - Chiconis