YFLP — Youth Financial Literacy Project
The YFLP learning pathway

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.

4 levels38 units410 planned lessons
Level 1 · Grades 5–6

Financial Foundations

Understand money and develop basic habits around earning, saving, spending, budgeting, and financial decision-making.

8 units Level 2 · Grades 7–8

Financial Essentials

Move from understanding money to actually learning how to manage it.

9 units Level 3 · Grades 9–10

Financial Preparation

Prepare students for increasingly independent financial decisions during high school and early adulthood.

10 units Level 4 · Grades 11–12

Financial Independence

Give students the financial knowledge they need to transition from high school into independent adult life.

11 units

This 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 level
Level 3 · Grades 9–10

Financial Preparation

Prepare students for increasingly independent financial decisions during high school and early adulthood.

Unit 4

Debt & Borrowing

12 planned lessons
  1. Understanding Loans
  2. Principal
  3. APR
  4. Loan Terms
  5. Secured vs. Unsecured Debt
  6. Credit Card Debt
  7. Auto Loans
  8. Student Loans Introduction
  9. Buy Now, Pay Later
  10. Comparing Loan Offers
  11. Debt Repayment Strategies
  12. Predatory Lending
Open unit outline
Level 3 Final Assessment / Real-World Financial Decision Challenge