From first money habits to financial independence.
Four levels of financial learning, organized for grades 5–12. Grade ranges guide placement; teachers can choose what fits their students.
Financial Foundations
Understand money and develop basic habits around earning, saving, spending, budgeting, and financial decision-making.
8 units Level 2 · Grades 7–8Financial Essentials
Move from understanding money to actually learning how to manage it.
9 units Level 3 · Grades 9–10Financial Preparation
Prepare students for increasingly independent financial decisions during high school and early adulthood.
10 units Level 4 · Grades 11–12Financial Independence
Give students the financial knowledge they need to transition from high school into independent adult life.
11 unitsThis catalog contains the curriculum structure and lesson outlines. Full teaching content is in development; classroom assignments use lessons published by your school.
All units in this levelFinancial Independence
Give students the financial knowledge they need to transition from high school into independent adult life.
Unit 3Advanced Credit & Debt Management
13 planned lessons
Advanced Credit & Debt Management
13 planned lessons- Building Credit
- Managing Credit Cards
- Credit Utilization
- Credit Reports
- Credit Scores
- Loan Applications
- APR and Total Borrowing Cost
- Debt Repayment
- Refinancing
- Cosigning
- Collections
- Bankruptcy Introduction
- Avoiding Predatory Debt