[ { "id": "AL", "name": "Alabama", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "Every student gets a personal finance semester, and has since the class of 2013", "policyName": "Career Preparedness course guarantee; HB 164 (2023) added finlit exam", "adopted": "class of 2013", "firstAffectedClass": 2013, "courseLength": "1 semester (inside 1-yr course)", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 99.3, "approximate": false, "reportedBy": "NGPF" }, "studentAnswer": "Yes. Alabama students take a semester of personal finance inside a required year-long Career Preparedness course. It has been required since the class of 2013. A 2023 law, HB 164, added a financial literacy exam.", "studentAction": "Ask your teacher when the personal finance semester and the exam happen at your school, so you know what's coming.", "keyNote": "Reported implementation is 99.3% (NGPF).", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Alabama Administrative Code r. 290-3-1-.02", "url": "https://admincode.legislature.state.al.us/api/rule/290-3-1-.02", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "firstAffectedClass", "policyName" ] }, { "id": "AK", "name": "Alaska", "tier": 5, "tierLabel": "No requirement", "statusHeadline": "No personal finance requirement", "policyName": null, "adopted": null, "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "none", "implementation": null, "studentAnswer": "No. Alaska has no financial literacy requirement to graduate. A bill for one, SB 99, passed the Senate but stalled in the House in 2024.", "studentAction": "Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "Alaska's graduation rule (4 AAC 06.075) includes no personal finance credit. SB 99 stalled in House Finance in March 2024.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Alaska Administrative Code: 4 AAC 06.075", "url": "https://www.akleg.gov/basis/aac.asp#4.06.075", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "AZ", "name": "Arizona", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required, but as part of your economics course", "policyName": "ARS 15-701.01", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": "0.5 credit econ incl. finlit", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Arizona requires a half-credit economics course, and that course must include financial literacy. You'll learn some money skills, but there's no separate personal finance class.", "studentAction": "In your economics class, ask your teacher which weeks cover personal finance, and don't skip them.", "keyNote": "The money lessons are required content inside the mandatory economics course.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Arizona State Legislature: ARS 15-701.01", "url": "https://www.azleg.gov/ars/15/00701-01.htm", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "AR", "name": "Arkansas", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required, but built into a high school course", "policyName": "Acts 480 & 466 (2017)", "adopted": "2017", "firstAffectedClass": null, "courseLength": "embedded", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Every Arkansas student must take a course in grades 9 to 12 that has personal finance standards built in. There's no separate personal finance class guaranteed.", "studentAction": "Ask your counselor which of your courses carries the personal finance standards, so you know where to look for it.", "keyNote": "A course with personal finance standards built in is required in grades 9 to 12.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Arkansas Division of Elementary and Secondary Education: Personal Finance", "url": "https://dese.ade.arkansas.gov/Offices/learning-services/curriculum-support/personal-finance", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "CA", "name": "California", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A one-semester personal finance class becomes required with the class of 2031", "policyName": "AB 2927", "adopted": "signed 2024-06-29", "firstAffectedClass": 2031, "courseLength": "1 semester", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2031 or later. California's AB 2927 makes a one-semester personal finance course a graduation requirement, starting with the class of 2031. Graduating before that? It isn't required for you.", "studentAction": "Graduating before 2031? Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "California has the largest student population in the US.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "California Department of Education: Personal Finance", "url": "https://www.cde.ca.gov/ci/cr/cf/personalfinance.asp", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "CO", "name": "Colorado", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required, but built into a course you already have to take", "policyName": "HB25-1192", "adopted": "signed 2025-05-23", "firstAffectedClass": null, "courseLength": "All financial literacy standards inside a course already required to graduate", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Colorado's HB25-1192 says every financial literacy standard must be taught inside a course you already need to graduate, like social studies, math, or economics. It doesn't have to be its own class. The state says the rule is already in effect for the 2025-26 school year.", "studentAction": "Ask your counselor which required course at your school now carries the financial literacy standards.", "keyNote": "The course 'is not required to be called financial literacy' and can be an existing social studies, math, or economics course (Colorado Department of Education). In effect for 2025-26.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Colorado Department of Education: HB 25-1192 Fact Sheet", "url": "https://www.cde.state.co.us/cofinancialliteracy/hb25-1192-fact-sheet", "kind": "primary" }, { "label": "Colorado General Assembly: HB25-1192", "url": "https://leg.colorado.gov/bills/hb25-1192", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "CT", "name": "Connecticut", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2027", "policyName": "Public Act 23-21", "adopted": "approved 2023-06-07", "firstAffectedClass": 2027, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2027 or later. Connecticut's Public Act 23-21 requires a half credit of personal finance to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor which course at your school counts for the half credit and when you should take it.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Connecticut General Assembly: Public Act No. 23-21", "url": "https://www.cga.ct.gov/2023/ACT/PA/PDF/2023PA-00021-R00SB-01165-PA.PDF", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "DE", "name": "Delaware", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance class becomes required with the class of 2030", "policyName": "HB 203", "adopted": "signed 2025-09-19", "firstAffectedClass": 2030, "courseLength": "0.5 credit min", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2030 or later. Delaware's HB 203 requires at least a half credit of financial literacy to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Graduating before 2030? Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Laws of Delaware Vol. 85, Ch. 224 (HB 203)", "url": "https://delcode.delaware.gov/sessionlaws/ga153/chp224.shtml", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "FL", "name": "Florida", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2027", "policyName": "SB 1054 (Dorothy L. Hukill Financial Literacy Act)", "adopted": "signed 2022-03-22", "firstAffectedClass": 2027, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2027 or later. Florida's Dorothy L. Hukill Financial Literacy Act (SB 1054) requires a half credit of personal finance to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor when your school schedules the personal finance half credit so it fits your plan.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Florida Legislature: s. 1003.4282, F.S.", "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=1000-1099/1003/Sections/1003.4282.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "GA", "name": "Georgia", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance class, taken in 11th or 12th grade, is required starting with the class of 2028", "policyName": "SB 220", "adopted": "signed 2022-04-28", "firstAffectedClass": 2028, "courseLength": "0.5 credit min", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Georgia's SB 220 requires at least a half credit of personal finance, taken in 11th or 12th grade. Graduating earlier? It isn't required for you.", "studentAction": "Planning your junior and senior years? Ask your counselor to save room for the personal finance course.", "keyNote": "The course is taken in 11th or 12th grade.", "discrepancyNote": "The class of 2028 start date comes from NGPF's dashboard, not from a state document we have matched it to. Some reporting reads the start date as earlier. The course itself is taken in 11th or 12th grade.", "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Office of the Governor: SB 220 (2022) signed legislation text", "url": "https://gov.georgia.gov/document/2022-signed-legislation/sb-220/download", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": false, "verificationNote": "Georgia's law starts in the 2024-25 school year for 11th and 12th graders, but it never names a graduating class. We couldn't find a state document confirming the class of 2028. If the rule applied to juniors and seniors in 2024-25, Georgia would already be Tier 1.", "unverifiedFields": [ "adopted", "firstAffectedClass" ] }, { "id": "HI", "name": "Hawaii", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required starting with the class of 2030, but it can be an elective, part of a class, or self-paced", "policyName": "HIDOE requirement (Jan 2026 announcement)", "adopted": "2026", "firstAffectedClass": 2030, "courseLength": "flexible", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of, if you graduate in 2030 or later. Starting with 9th graders in 2026-27, every Hawaii student must complete a \"financial literacy educational opportunity,\" tracked in your Personal Transition Plan. It can be an elective, part of another class, or self-paced, so a full course isn't guaranteed.", "studentAction": "When you update your Personal Transition Plan, ask which financial literacy options your school offers and pick the most complete one.", "keyNote": "A \"financial literacy educational opportunity\" in the Personal Transition Plan. An elective, an embedded unit, or a self-paced option all count.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Hawaii State Department of Education: 2026 financial literacy requirement announcement", "url": "https://hawaiipublicschools.org/2026-financial-literacy-requirement-for-hawaii-public-school-students-to-begin-next-school-year/", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "ID", "name": "Idaho", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required, but shared with economics inside social studies", "policyName": "IDAPA 08.02.03.105", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": "1 credit econ+finlit", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Idaho requires one credit of economics and financial literacy as part of your five required social studies credits. You'll learn some money skills, but there's no separate personal finance class.", "studentAction": "In that economics and financial literacy credit, ask your teacher which units cover personal money topics like budgeting and credit.", "keyNote": "One credit of economics plus financial literacy, inside the 5 required social studies credits.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Idaho DFM: IDAPA 08.02.03.105", "url": "https://files.dfm.idaho.gov/dfm-admin-website/rules/current/08/080203.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "IL", "name": "Illinois", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Consumer education is required, but there's no dedicated personal finance course", "policyName": "105 ILCS 5/27-305 (consumer education, formerly 27-12.1)", "adopted": "since late 1960s", "firstAffectedClass": null, "courseLength": "min ~9 weeks instruction", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Illinois has required consumer education since the late 1960s, with at least about 9 weeks of instruction. It's real instruction, but there's no dedicated personal finance course. A 2026 bill to upgrade it, HB 5533, stalled.", "studentAction": "Ask your counselor which class covers consumer education at your school, and whether a full personal finance elective is offered.", "keyNote": "A real instruction mandate, but no dedicated course. It can be taught inside other courses. HB 5533, which would have required a one-semester course, stalled in the Rules Committee in March 2026.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "HB 5533", "purpose": "Would have required a one-semester personal finance course, starting with students entering 9th grade in 2029-30.", "committee": "Rules Committee", "status": "Re-referred to the Rules Committee on 2026-03-27. Stalled; the General Assembly term runs until January 2027.", "statusType": "watch", "asOf": "2026-09-21" } ], "sources": [ { "label": "Illinois General Assembly: HB 5533 bill status (104th GA)", "url": "https://www.ilga.gov/legislation/BillStatus.asp?DocNum=5533&GAID=18&GA=104&DocTypeID=HB&SessionID=114", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "IN", "name": "Indiana", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A one-semester personal finance class is required starting with the class of 2028", "policyName": "SB 35 (2023)", "adopted": "signed 2023-05-04", "firstAffectedClass": 2028, "courseLength": "1 semester", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Indiana's SB 35 requires a one-semester personal finance course to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor which grade usually takes the personal finance semester at your school.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Indiana General Assembly: SEA 35 (2023)", "url": "https://iga.in.gov/legislative/2023/bills/senate/35", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "courseLength" ] }, { "id": "IA", "name": "Iowa", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A half-unit financial literacy class is required to graduate", "policyName": "Iowa Code 256.11(5)(k)", "adopted": "statute: class of 2021", "firstAffectedClass": 2021, "courseLength": "0.5 unit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes. Iowa law requires a half unit of financial literacy to graduate. The law applies starting with the class of 2021. A national tracker dates it a little later, so see the note below.", "studentAction": "Ask your counselor which year you'll take the financial literacy half unit.", "keyNote": null, "discrepancyNote": "Iowa's statute sets the class of 2021. NGPF dates the statewide guarantee to the class of 2023. We show the statute's date.", "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Iowa Legislature: Iowa Code 256.11", "url": "https://www.legis.iowa.gov/docs/code/2023/256.11.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "KS", "name": "Kansas", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2028", "policyName": "State Board of Education regulation (board vote 2022-11-10; no bill number exists)", "adopted": "adopted 2022-11-10", "firstAffectedClass": 2028, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Kansas's State Board of Education voted to require a half credit of personal finance. There's no bill number because it was a board rule, not a law. Graduating earlier? It isn't required for you.", "studentAction": "Graduating before 2028? Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "Created by a State Board of Education vote on 2022-11-10. No bill number exists.", "discrepancyNote": "The Kansas State Department of Education (KSDE) says the class of 2028 is first. NGPF's dashboard has said 2027. We show the state agency's date.", "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "KSDE: Graduation Requirements Fact Sheet, Class of 2028 and beyond", "url": "https://www.ksde.gov/docs/default-source/csas/graduation-requirements-fact-sheet---class-of-2028-and-beyond.pdf", "kind": "primary" }, { "label": "Kansas State Department of Education: Graduation requirements", "url": "https://www.ksde.gov/student-success/graduation", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "adopted" ] }, { "id": "KY", "name": "Kentucky", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A full-credit personal finance class is required starting with the class of 2029", "policyName": "HB 342 (2025)", "adopted": "signed 2025-03-24", "firstAffectedClass": 2029, "courseLength": "1 full credit", "courseSize": "full", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2029 or later. Kentucky's HB 342 requires one full credit of personal finance for students who started 9th grade on or after July 1, 2025. The idea came from a student, Patrick Graboviy.", "studentAction": "Students can change the rules. Read how HB 342 started, then look up who represents you in the Kentucky legislature.", "keyNote": "Student-initiated (Patrick Graboviy).", "discrepancyNote": "HB 342's bill text points to the class of 2029. NGPF lists 2030. We show the bill text.", "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Kentucky General Assembly: 2025 Acts Chapter 58 (HB 342)", "url": "https://apps.legislature.ky.gov/law/acts/25RS/documents/0058.pdf", "kind": "primary" }, { "label": "Kentucky General Assembly: HB 342 (2025) bill record", "url": "https://apps.legislature.ky.gov/record/25rs/hb342.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "LA", "name": "Louisiana", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A one-unit personal finance class is required starting with the class of 2028", "policyName": "HB 103 → Act 267 (2023)", "adopted": "signed 2023-06-09", "firstAffectedClass": 2028, "courseLength": "1 unit", "courseSize": "full", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Louisiana's Act 267 requires a one-unit personal finance course for students who started 9th grade in 2024-25. It counts toward your math and TOPS core.", "studentAction": "Ask your counselor how the personal finance unit fits your TOPS core plan.", "keyNote": "Counts toward the math/TOPS core.", "discrepancyNote": "The enacted text of Act 267 sets the class of 2028. An NGPF press release said 2027. We show the act text.", "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Louisiana Legislature: HB 103 (2023) Act 267", "url": "https://legis.la.gov/legis/ViewDocument.aspx?d=1332429", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "ME", "name": "Maine", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Personal finance is part of required social studies, but no class of its own", "policyName": "20-A MRS §4722", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Maine's diploma requires two years of social studies, and state law says that has to include personal finance. There's no separate personal finance class or credit.", "studentAction": "In your social studies classes, ask your teacher when personal finance comes up, and look for a full elective.", "keyNote": "20-A MRS §4722: the required 2-year social studies and history component includes personal finance. No separate course or credit.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Maine Legislature: 20-A MRS §4722", "url": "https://legislature.maine.gov/statutes/20-A/title20-Asec4722.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MD", "name": "Maryland", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "No requirement: schools offer it, and a 2026 bill died", "policyName": "state standards", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. Maryland schools must offer personal finance lessons, but students only get the chance to take part, and no credit is required to graduate. Bills to make it a graduation requirement (SB 592 and HB 943) died when the 2026 session ended.", "studentAction": "Find out what your district decided: ask your counselor if personal finance is offered, and take it if it is.", "keyNote": "COMAR 13A.04.06.01: districts must provide a personal financial literacy program, and each student 'shall have the opportunity to participate'. SB 592/HB 943 got hearings only and died when the session ended on 2026-04-13.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "SB 592/HB 943", "purpose": "Would have made personal finance a graduation requirement (class of 2030).", "committee": null, "status": "Hearings only (2026-02-25 and 2026-03-04). Died when the session ended on 2026-04-13.", "statusType": "dead", "asOf": "2026-09-21" } ], "sources": [ { "label": "Library of Maryland Regulations: COMAR 13A.04.06.01", "url": "https://regs.maryland.gov/us/md/exec/comar/13A.04.06.01", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MA", "name": "Massachusetts", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "No requirement: a bill passed the House 155-0, then stalled in the Senate", "policyName": "2019 standards", "adopted": "2019", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. Massachusetts has personal finance standards from 2019, but no requirement. A bill, H.4670, passed the House 155-0 in October 2025, but it has been stuck in a Senate committee since. Formal sessions ended on July 31, 2026, so it is very unlikely to pass before the term ends in January 2027.", "studentAction": "If a new version is filed in 2027, email your state representative and senator and ask them to support it. Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "H.4670 passed the House 155-0 in October 2025. It and a Senate version, S2988, have sat in the Senate Ways and Means Committee since. Formal sessions ended 2026-07-31; the term ends in January 2027.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "H.4670", "purpose": null, "committee": "Senate Ways and Means Committee", "status": "Passed the House 155-0 on 2025-10-29. In committee since 2025-10-30. Formal sessions ended 2026-07-31, so it can now pass only in an informal session before the term ends in January 2027.", "statusType": "watch", "asOf": "2026-09-21" }, { "id": "S2988", "purpose": null, "committee": "Senate Ways and Means Committee", "status": "Reported favorably by the Financial Services Committee on 2026-03-12, then sent to Ways and Means. No action since. Formal sessions ended 2026-07-31.", "statusType": "watch", "asOf": "2026-09-21" } ], "sources": [ { "label": "Massachusetts Legislature: Bill H.4670 history", "url": "https://malegislature.gov/Bills/194/H4670", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MI", "name": "Michigan", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2028", "policyName": "HB 5190 → Public Act 105 of 2022 (MCL 380.1278a)", "adopted": "signed 2022-06-16", "firstAffectedClass": 2028, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Michigan's Public Act 120 of 2022 requires a half credit of personal finance to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor which course at your school counts for the personal finance half credit.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Michigan Legislature: MCL 380.1278a", "url": "https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-380-1278a", "kind": "primary" }, { "label": "Michigan Department of Education: Personal Finance", "url": "https://www.michigan.gov/mde/services/academic-standards/personal-finance", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MN", "name": "Minnesota", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance course for credit is required starting with the class of 2028", "policyName": "Minn. Stat. §120B.024 (2023 omnibus)", "adopted": "signed 2023-05-24", "firstAffectedClass": 2028, "courseLength": "course for credit, gr 10-12", "courseSize": null, "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Minnesota law requires a personal finance course for credit, taken in grades 10 to 12. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor whether to take personal finance in 10th, 11th, or 12th grade at your school.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "MN Revisor of Statutes: Minn. Stat. 120B.024", "url": "https://www.revisor.mn.gov/statutes/cite/120B.024", "kind": "primary" }, { "label": "Minnesota Office of the Revisor of Statutes: Minn. Stat. 120B.024", "url": "https://www.revisor.mn.gov/statutes/cite/120b.024", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MS", "name": "Mississippi", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance class becomes required with the class of 2032", "policyName": "SB 2294 (2026, Mississippi Math Act)", "adopted": "signed 2026-04-08", "firstAffectedClass": 2032, "courseLength": "0.5 Carnegie unit (or a full unit at least half financial literacy)", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2032 or later. A 2026 law, SB 2294, requires a half-unit personal finance course to graduate, starting with the class of 2032. Graduating earlier? You take a required College and Career Readiness course, but state rules don't promise it includes personal finance.", "studentAction": "Graduating before 2032? Ask your counselor whether your College and Career Readiness course covers personal finance, and if a full elective is offered.", "keyNote": "The required College and Career Readiness course (class of 2022 and later) has allowed substitutes, and the state code doesn't say it contains personal finance. SB 2294 also adds financial literacy in grades 6 to 8 from 2027-28.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Mississippi Legislature: SB 2294 (2026) as signed", "url": "https://billstatus.ls.state.ms.us/documents/2026/html/SB/2200-2299/SB2294SG.htm", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MO", "name": "Missouri", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A half-unit personal finance class has been required since the class of 2010", "policyName": "half-unit PF requirement", "adopted": "class of 2010", "firstAffectedClass": 2010, "courseLength": "0.5 unit", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 100, "approximate": false, "reportedBy": null }, "studentAnswer": "Yes. Missouri students need a half unit of personal finance to graduate. It has been required since the class of 2010.", "studentAction": "Put it to work right away: after the class, make a simple budget for your next paycheck or allowance.", "keyNote": "Reported implementation is 100%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "SB 1778", "purpose": null, "committee": null, "status": "Referred to the Senate Education Committee, then no action. Died when the session adjourned in May 2026.", "statusType": "dead", "asOf": "2026-09-21" }, { "id": "HB 2303", "purpose": null, "committee": null, "status": "Combined with HB 2867 and reported do pass by the Rules Committee on 2026-04-09, but never passed the House. Died at adjournment in May 2026.", "statusType": "dead", "asOf": "2026-09-21" }, { "id": "HB 2867", "purpose": null, "committee": null, "status": "Folded into HB 2303 on 2026-03-23. Died with it in May 2026.", "statusType": "dead", "asOf": "2026-09-21" } ], "sources": [ { "label": "Missouri DESE: Graduation Handbook (10-2025)", "url": "https://dese.mo.gov/sites/g/files/zuston521/files/media/pdf/2026/04/oqs-graduation-handbook-10-2025_AOD.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "MT", "name": "Montana", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "Economics OR financial literacy: you can graduate without personal finance", "policyName": "ARM 10.55.905 (economics or financial literacy)", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": "0.5 unit of economics OR financial literacy", "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No, not guaranteed. Since the class of 2026, Montana students need a half unit of economics or financial literacy. If you pick economics, you can graduate without personal finance. A 2023 law, HB 535, only set goals.", "studentAction": "When you choose, pick financial literacy. It counts the same toward graduation.", "keyNote": "Mont. Admin. R. 10.55.905(2)(h), effective 2025-07-01: 1/2 unit of economics or financial literacy. HB 535 (2023) added goals that require no action.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Mont. Admin. R. 10.55.905 (effective 7/1/2025)", "url": "https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-10.55.905_v2", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "NE", "name": "Nebraska", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A one-semester personal finance course has been required since the class of 2024", "policyName": "LB 452, Financial Literacy Act (2021)", "adopted": "signed 2021-05-25", "firstAffectedClass": 2024, "courseLength": "1 semester", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 92, "approximate": true, "reportedBy": null }, "studentAnswer": "Yes. Nebraska's Financial Literacy Act (LB 452) requires a one-semester personal finance course to graduate. It started with the class of 2024.", "studentAction": "Ask your counselor which grade takes the personal finance semester at your school.", "keyNote": "Reported implementation is about 92%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Nebraska Legislature: Neb. Rev. Stat. 79-3003", "url": "https://nebraskalegislature.gov/laws/statutes.php?statute=79-3003", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "NV", "name": "Nevada", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required, but inside economics and other classes, not as its own course", "policyName": "SB 249 (2017)", "adopted": "2017", "firstAffectedClass": 2023, "courseLength": "0.5 credit econ w/ finlit standards", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Nevada requires financial literacy lessons in grades 3 to 12. Since the class of 2023, students also need a half credit of economics that carries the financial literacy standards. There's no separate personal finance class.", "studentAction": "In your economics class, ask your teacher which units cover personal finance, and don't skip them.", "keyNote": "Instruction is required in grades 3 to 12, plus a required half credit of economics that carries the financial literacy standards.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Nevada Legislature: NRS Chapter 389", "url": "https://www.leg.state.nv.us/nrs/NRS-389.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "firstAffectedClass" ] }, { "id": "NH", "name": "New Hampshire", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A standalone half-credit personal finance class starts with the class of 2030", "policyName": "HB 1671 (2022) and State Board rule Ed 306.23", "adopted": "signed 2022-06-28", "firstAffectedClass": 2030, "courseLength": "0.5 credit standalone (earlier classes: economics including personal finance)", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2030 or later. New Hampshire's rules require a separate half credit of financial literacy for students who started high school in 2026-27. Graduating earlier? You take a half credit of economics that includes personal finance instead.", "studentAction": "Graduating before 2030? Ask your economics teacher how much of the course covers personal finance, or look for a full elective.", "keyNote": "Students who started high school before 2026-27 take 'Economics, including personal finance' for 1/2 credit. The standalone 1/2 credit comes from State Board rule Ed 306.23(h).", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "NH General Court: Admin. Rules Ed 306.23", "url": "https://gc.nh.gov/rules/state_agencies/ed300.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "adopted" ] }, { "id": "NJ", "name": "New Jersey", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required as part of 2.5 credits, but no dedicated personal finance course", "policyName": "N.J.A.C. 6A:8-5.1", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": "2.5 credits fin/econ/business literacy", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. New Jersey requires 2.5 credits of financial, economic, business, and entrepreneurial literacy, but no dedicated personal finance course. A bill for a standalone course, S3462, is still pending.", "studentAction": "Ask your counselor which of your courses count toward the 2.5 credits, and pick one that covers personal money topics.", "keyNote": "No dedicated course. S3462 advanced out of the Senate Education Committee on 2026-03-02 and is pending.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "S3462", "purpose": "Would require a standalone one-semester financial literacy course.", "committee": "Senate Budget and Appropriations Committee", "status": "Reported from the Senate Education Committee with amendments on 2026-03-02, then sent to Senate Budget and Appropriations. No action since.", "statusType": "pending", "asOf": "2026-09-21" } ], "sources": [ { "label": "NJ DOE: N.J.A.C. 6A:8-5.1", "url": "https://www.nj.gov/education/code/current/title6a/chap8.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "NM", "name": "New Mexico", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required inside a combined government, economics, and personal finance course, starting with the class of 2029", "policyName": "HB 171 (2024)", "adopted": "2024", "firstAffectedClass": 2029, "courseLength": "gov/econ/PF course within 4 social science units", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of, if you graduate in 2029 or later. New Mexico's HB 171 requires a government, economics, and personal financial literacy course within your four social science units. A financial literacy course that meets math standards may count as a math unit. There's still no standalone personal finance course required.", "studentAction": "Ask your counselor whether a financial literacy course at your school counts as a math unit. It could do double duty for you.", "keyNote": "A financial literacy course that meets math standards may count as a math unit. Still no standalone personal finance course.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "NM Legislature: HB 171 (2024), final version", "url": "https://www.nmlegis.gov/Sessions/24%20Regular/final/HB0171.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "adopted" ] }, { "id": "NY", "name": "New York", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Personal finance lessons are now required, but not a course, a credit, or a diploma requirement", "policyName": "Board of Regents amendment to Section 100.2", "adopted": "permanently effective 2026-03-25", "firstAffectedClass": null, "courseLength": "instructional requirement", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Yes, you'll be taught it, but you won't get a guaranteed class or credit. New York's Board of Regents now requires personal finance instruction. Grades 5 to 12 start in the 2026-27 school year, and grades K to 4 start in 2027-28. It's an instructional requirement, not a course, credit, or diploma requirement.", "studentAction": "Ask a teacher or your principal: where is our school teaching personal finance this year? Districts have to report to the state that they're doing it.", "keyNote": "Grades 5 to 12 phase in during 2026-27 and grades K to 4 in 2027-28. Districts must send verification to the Commissioner for 2026-27, 2027-28, and 2028-29. NYSED calls it an instructional requirement, not a credit or diploma requirement.", "discrepancyNote": null, "checkerNote": "You'll be taught it: New York requires personal finance instruction, starting with grades 5 to 12 in the 2026-27 school year. The catch: it's an instructional requirement, not a course, a credit, or a diploma requirement.", "pendingLegislation": [ { "id": "S94/A5052", "purpose": "Makes a financial literacy course (budgeting, taxes, debt, credit, investing) a pass/fail condition for graduating.", "committee": "Senate Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "S4812/A1337", "purpose": "Creates a half-credit financial education course for grades 9 to 12, with curriculum set by the Commissioner working with the Department of Financial Services (DFS).", "committee": "Senate Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "S3331/A4433", "purpose": "Requires public AND private schools to provide financial literacy education to 11th graders.", "committee": "Senate Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "S95/A109", "purpose": "Requires financial education instruction in grades 9 to 12 (budgeting, borrowing, interest, insurance).", "committee": "Senate Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "A3581", "purpose": "Makes a half-credit financial literacy course a graduation requirement.", "committee": "Assembly Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "A8973", "purpose": "Requires THREE semester-long financial literacy courses between grades 6 and 12.", "committee": "Assembly Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "A4197", "purpose": "Requires instruction in running a business, including financial literacy, budgeting, credit, and taxes.", "committee": "Assembly Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" }, { "id": "A3660", "purpose": "Creates a State Seal of Financial Literacy for graduates who show they know it.", "committee": "Assembly Education Committee", "status": "In committee. Has not advanced.", "statusType": "pending", "asOf": "2026-09-15" } ], "sources": [ { "label": "New York State Education Department: NYSED Personal Finance Education", "url": "https://www.nysed.gov/standards-instruction/personal-finance-education", "kind": "primary" }, { "label": "New York State Senate: New York State Senate legislation search", "url": "https://www.nysenate.gov/legislation", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "NC", "name": "North Carolina", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A full-year Economics and Personal Finance course is required", "policyName": "Economics & Personal Finance (EPF)", "adopted": "class of 2024", "firstAffectedClass": 2024, "courseLength": "1 year", "courseSize": "full", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes. North Carolina students take a full-year course called Economics and Personal Finance (EPF). It has been required since the class of 2024.", "studentAction": "Ask your counselor which grade you'll take EPF in, and bring a real money question to class, like how a paycheck gets taxed.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "NC General Assembly: G.S. 115C-81.65", "url": "https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/BySection/Chapter_115c/GS_115C-81.65.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "ND", "name": "North Dakota", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Every student gets the lessons, but districts choose a course or folding it into other classes", "policyName": "HB 1533 (2025), NDCC 15.1-21-21", "adopted": "signed 2025-04-24", "firstAffectedClass": null, "courseLength": "0.5 unit course OR embedded in econ/civics", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. North Dakota's HB 1533 says every student must receive personal finance instruction. Each district chooses whether that's a half-unit course or lessons inside economics or civics.", "studentAction": "Ask your counselor which option your district picked, the half-unit course or lessons inside another class.", "keyNote": "Every student must receive the instruction, and the district chooses the form. K-12 financial literacy standards were adopted in July 2025.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "ND Legislature: NDCC 15.1-21-21", "url": "https://ndlegis.gov/cencode/t15-1c21.pdf", "kind": "primary" }, { "label": "North Dakota Legislative Branch: HB 1533 bill overview", "url": "https://ndlegis.gov/assembly/69-2025/regular/bill-overview/bo1533.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "OH", "name": "Ohio", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A half-credit financial literacy class is required, starting with the class of 2026", "policyName": "0.5-credit requirement, 9th graders after 2022-07-01", "adopted": "2021", "firstAffectedClass": 2026, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 73.2, "approximate": false, "reportedBy": "NGPF" }, "studentAnswer": "Yes. Ohio students who started 9th grade after July 1, 2022 need a half credit of financial literacy to graduate. The class of 2026 was the first to graduate under it.", "studentAction": "Ask your counselor when you'll take the half credit and which course at your school counts.", "keyNote": "The class of 2026 just graduated. Reported implementation is 73.2% (NGPF).", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "HB 669", "purpose": "Would let AP Business with Personal Finance count for the financial literacy requirement.", "committee": "House Education Committee", "status": "In the House Education Committee since 2026-02-04. No action since.", "statusType": "pending", "asOf": "2026-09-21" } ], "sources": [ { "label": "Ohio Revised Code 3313.603", "url": "https://codes.ohio.gov/ohio-revised-code/section-3313.603", "kind": "primary" }, { "label": "Ohio Department of Education and Workforce: Financial Literacy", "url": "https://education.ohio.gov/Topics/Learning-in-Ohio/Financial-Literacy", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "OK", "name": "Oklahoma", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "Required as a course or coursework, which districts can fold into other classes", "policyName": "Passport to Financial Literacy Act, 70 O.S. §11-103.6h (amended 2024, eff. 2025-07-01)", "adopted": "2007 / 2024", "firstAffectedClass": null, "courseLength": "course OR coursework, 15 areas", "courseSize": null, "deliveryType": "embedded", "implementation": null, "studentAnswer": "Sort of. Oklahoma's Passport to Financial Literacy Act requires a personal financial literacy course or coursework covering 15 areas. Districts can fold it into other classes, so a standalone course isn't guaranteed.", "studentAction": "Ask your counselor how your school covers the 15 areas: as its own course, or spread across other classes.", "keyNote": "Course OR coursework covering 15 areas. Districts may fold it into other courses. No standalone guarantee. The 2024 update applies to students who started 9th grade in 2025-26 (class of 2029).", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Oklahoma Legislature: Enrolled HB 2158 (2024)", "url": "https://www.oklegislature.gov/cf_pdf/2023-24%20ENR/hB/HB2158%20ENR.PDF", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "adopted" ] }, { "id": "OR", "name": "Oregon", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit Personal Financial Education class is required starting with the class of 2027", "policyName": "SB 3 (2023)", "adopted": "signed 2023-07-31", "firstAffectedClass": 2027, "courseLength": "0.5 credit Personal Financial Education", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2027 or later. Oregon's SB 3 requires a half credit of Personal Financial Education. It also requires a separate half credit of Higher Education and Career Path Skills. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor how to fit both half credits, personal finance and career path skills, into your schedule.", "keyNote": "There's also a separate required half credit of Higher Education and Career Path Skills.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Oregon Legislature: Enrolled SB 3 (2023)", "url": "https://olis.oregonlegislature.gov/liz/2023R1/Downloads/MeasureDocument/SB3/Enrolled", "kind": "primary" }, { "label": "Oregon Department of Education: Personal Financial Education", "url": "https://www.oregon.gov/ode/students-and-family/OregonDiploma/Pages/PFE.aspx", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "PA", "name": "Pennsylvania", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance class becomes required with the class of 2030", "policyName": "SB 843 → Act 35 of 2023", "adopted": "signed 2023-12-13", "firstAffectedClass": 2030, "courseLength": "0.5 credit min", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2030 or later. Pennsylvania's Act 35 of 2023 requires at least a half credit of personal finance to graduate. Graduating earlier? It isn't required for you.", "studentAction": "Graduating before 2030? Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "Pennsylvania's personal finance standards took effect on 2026-07-01.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "PA General Assembly: 2023 Act 35 (Section 1551(b.1))", "url": "https://www.palegis.us/statutes/unconsolidated/law-information/view-statute?txtType=HTM&SessYr=2023&ActNum=0035.&SessInd=0", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": false, "verificationNote": "Pennsylvania requires the course starting in 2026-27, but each school district decides which grade takes it. So the first class that must take it could be anywhere from 2027 to 2030. We show 2030, the latest possible.", "unverifiedFields": [ "firstAffectedClass" ] }, { "id": "RI", "name": "Rhode Island", "tier": 3, "tierLabel": "Required, but built into other classes", "statusHeadline": "You must show you know it, but a class of its own isn't guaranteed", "policyName": "statewide requirement", "adopted": "law signed 2021-06", "firstAffectedClass": 2024, "courseLength": "Show proficiency: a course, a project, or a test (the district chooses)", "courseSize": null, "deliveryType": "embedded", "implementation": { "rate": 65, "approximate": true, "reportedBy": null }, "studentAnswer": "Sort of. Since the class of 2024, every Rhode Island student must show they know financial literacy to graduate. Your district picks how: a class, a project, or a test. So a separate personal finance class isn't guaranteed.", "studentAction": "Ask your counselor how your school lets students show financial literacy proficiency, and whether a full class is offered.", "keyNote": "RIGL 16-22-13 and the state's Readiness-Based Graduation Requirements. Districts can accept a standalone course, a project, or an assessment. Reported implementation is about 65%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "RIDE: Financial Literacy Education Guidance and FAQ (Sept 2023)", "url": "https://ride.ri.gov/sites/g/files/xkgbur806/files/2023-09/Financial%20Literacy%20Guidance%20(September%202023)%20for%20Publication.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "SC", "name": "South Carolina", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2027", "policyName": "2022 budget proviso → State Board regulation", "adopted": "announced 2022-07", "firstAffectedClass": 2027, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2027 or later. South Carolina requires a half credit of personal finance. It came from a 2022 state budget rule that the State Board turned into a regulation. Graduating earlier? It isn't required for you.", "studentAction": "Ask your counselor which course at your school counts for the personal finance half credit.", "keyNote": "No standalone bill number. It was created through a budget proviso.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "SCDE: Personal Finance FAQ", "url": "https://ed.sc.gov/sites/scdoe/assets/Personal-Finance--FAQ1.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "SD", "name": "South Dakota", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "Economics OR personal finance: you can graduate without personal finance", "policyName": "SD DOE graduation requirements", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": "0.5 unit of econ OR personal finance", "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No, not guaranteed. South Dakota students must earn a half unit of economics or personal finance. If you pick economics, you can graduate without personal finance.", "studentAction": "When you choose, pick personal finance. It counts the same toward graduation.", "keyNote": "A student can graduate without personal finance. We found no upgrade, despite rumors.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "SD Legislature: Admin. Rule 24:43:11:02", "url": "https://sdlegislature.gov/api/Rules/Rule/24:43:11:02.html", "kind": "primary" }, { "label": "South Dakota Department of Education: Graduation requirements", "url": "https://doe.sd.gov/gradrequirements/", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "TN", "name": "Tennessee", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A half-credit personal finance class has been required since the class of 2013", "policyName": "half-credit PF course", "adopted": "class of 2013", "firstAffectedClass": 2013, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 99.7, "approximate": true, "reportedBy": null }, "studentAnswer": "Yes. Tennessee students need a half credit of personal finance to graduate. It has been required since the class of 2013.", "studentAction": "Ask your counselor which grade takes personal finance at your school, and plan around it.", "keyNote": "Reported implementation is about 99.7%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "TN State Board of Education: High School Policy 2.103", "url": "https://www.tn.gov/content/dam/tn/stateboardofeducation/documents/2023-sbe-meetings/february-10,-2023-sbe-meeting/2-10-23%20IV%20C%20High%20School%20Policy%202.103%20Clean.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "firstAffectedClass" ] }, { "id": "TX", "name": "Texas", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A personal finance class becomes required with the class of 2030", "policyName": "HB 27 (2025)", "adopted": "signed 2025-06-20", "firstAffectedClass": 2030, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you started 9th grade in fall 2026 or later. You must pass a personal finance class to graduate. It replaced half of the old economics requirement. Started earlier? You just missed it, so it's optional for you.", "studentAction": "Started 9th grade before fall 2026? Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "Replaces the economics half credit for 9th graders entering in 2026-27.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Texas Legislature: HB 27 (89R) enrolled text", "url": "https://capitol.texas.gov/tlodocs/89R/billtext/html/HB00027F.htm", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "UT", "name": "Utah", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "The first state to require it: a half-credit class since the class of 2008", "policyName": "Utah Admin Code R277-700, General Financial Literacy", "adopted": "class of 2008", "firstAffectedClass": 2008, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": { "rate": 100, "approximate": false, "reportedBy": null }, "studentAnswer": "Yes. Utah students take a half-credit General Financial Literacy class to graduate. Utah has required it since the class of 2008, the first state to do it.", "studentAction": "Use it right away: with a parent or guardian, open a savings account if you don't have one yet.", "keyNote": "The national pioneer. Reported implementation is 100%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Utah Office of the State Auditor: GFL Graduation Requirement Program Review (2018)", "url": "https://reporting.auditor.utah.gov/servlet/servlet.FileDownload?file=015410000038ypZAAQ", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "VT", "name": "Vermont", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "Standards only: no required course", "policyName": "standards only", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. Vermont has financial literacy in its standards, but no requirement. That's despite Champlain College, in Vermont, grading every other state on it.", "studentAction": "Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "No requirement today; each district sets its own graduation requirements. Under Act 73 of 2025, the state recommended a half credit of standalone financial literacy; the State Board must adopt statewide requirements by July 1, 2027 (class of 2031 earliest).", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "Act 73 statewide graduation requirements", "purpose": "The state recommended a half credit of standalone financial literacy (class of 2031 earliest).", "committee": "State Board of Education", "status": "The State Board must adopt statewide graduation requirements by 2027-07-01.", "statusType": "watch", "asOf": "2026-09-21" } ], "sources": [ { "label": "Vermont Agency of Education: Act 73 of 2025", "url": "https://education.vermont.gov/act-73-2025", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "2023 Report Card", "url": "https://financialliteracy.champlain.edu/research-advocacy/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "VA", "name": "Virginia", "tier": 1, "tierLabel": "Standalone course, fully in place", "statusHeadline": "A full-year Economics and Personal Finance course has been required since the class of 2015", "policyName": "Economics & Personal Finance course", "adopted": "class of 2015", "firstAffectedClass": 2015, "courseLength": "1 year", "courseSize": "full", "deliveryType": "standalone", "implementation": { "rate": 100, "approximate": false, "reportedBy": null }, "studentAnswer": "Yes. Virginia students take a full-year Economics and Personal Finance course to graduate. It has been required since the class of 2015.", "studentAction": "Ask your counselor which grade takes Economics and Personal Finance at your school.", "keyNote": "Reported implementation is 100%.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Virginia Administrative Code: 8VAC20-132-51", "url": "https://law.lis.virginia.gov/admincode/title8/agency20/chapter132/section51/", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [ "firstAffectedClass" ] }, { "id": "WA", "name": "Washington", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "Schools must offer access, but you don't have to take it", "policyName": "RCW 28A.300.468", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. Washington schools must give students in grades 9 to 12 access to financial education, but you don't have to take it to graduate. Bills to change that died in 2026. The State Board's FutureReady plan goes to the 2027 Legislature as a recommendation.", "studentAction": "Take the access you're owed: ask your counselor where personal finance is offered. Then follow FutureReady in 2027 and tell your legislators what you think.", "keyNote": "Districts must give students in grades 9 to 12 ACCESS, but it's not required to graduate. HB 1285 passed the House 94-3 in March 2025, then stalled; it and two other bills died when the 2026 session ended. The State Board's FutureReady plan goes to the 2027 Legislature.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [ { "id": "SB 5849", "purpose": null, "committee": null, "status": "Public hearing on 2026-02-04, then no action. Died when the 2026 session ended.", "statusType": "dead", "asOf": "2026-09-21" }, { "id": "HB 1285", "purpose": null, "committee": null, "status": "Passed the House 94-3 on 2025-03-05, then stalled in the Senate. Died when the 2026 session ended.", "statusType": "dead", "asOf": "2026-09-21" }, { "id": "SB 5080", "purpose": null, "committee": null, "status": "Reintroduced 2026-01-12, then no action. Died when the 2026 session ended.", "statusType": "dead", "asOf": "2026-09-21" }, { "id": "FutureReady (State Board of Education)", "purpose": "Graduation overhaul that would add a 1-credit pathway requirement including financial education (earliest: class of 2031).", "committee": null, "status": "State Board resolution adopted 2026-08-13. A draft bill goes to the 2027 Legislature. Not a bill yet.", "statusType": "watch", "asOf": "2026-09-21" } ], "sources": [ { "label": "Washington State Legislature: RCW 28A.300.468", "url": "https://app.leg.wa.gov/RCW/default.aspx?cite=28A.300.468", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" }, { "label": "NGPF 2026 Bill Tracker", "url": "https://www.ngpf.org/bill-tracker/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "DC", "name": "Washington, DC", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "Standards only: no required course and not needed to graduate", "policyName": "OSSE HS finlit standards", "adopted": "adopted 2024-03-20", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. In 2024, DC adopted financial literacy standards for high school. But there's no required course, and you don't need it to graduate.", "studentAction": "Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "Standards only. No course or graduation requirement.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "DC Office of the State Superintendent of Education: OSSE adopts financial literacy standards", "url": "https://osse.dc.gov/release/osse-adopts-financial-literacy-standards-district-columbia-high-school-students", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "WV", "name": "West Virginia", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class, taken in 11th or 12th grade, is required starting with the class of 2028", "policyName": "HB 3113 (2023)", "adopted": "passed 2023-03-03", "firstAffectedClass": 2028, "courseLength": "0.5 credit, taken gr 11/12", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. West Virginia's HB 3113 requires a half credit of personal finance, taken in 11th or 12th grade. Graduating earlier? It isn't required for you.", "studentAction": "Planning your junior and senior years? Ask your counselor to save room for the personal finance half credit.", "keyNote": null, "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "West Virginia Legislature: Enrolled Committee Substitute for HB 3113 (2023)", "url": "https://www.wvlegislature.gov/Bill_Status/bills_text.cfm?billdoc=hb3113%20sub%20enr.htm&yr=2023&sesstype=RS&i=3113", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "WI", "name": "Wisconsin", "tier": 2, "tierLabel": "Standalone course, phasing in", "statusHeadline": "A half-credit personal finance class is required starting with the class of 2028", "policyName": "AB 109 → 2023 Act 60", "adopted": "signed 2023-12-06", "firstAffectedClass": 2028, "courseLength": "0.5 credit", "courseSize": "half", "deliveryType": "standalone", "implementation": null, "studentAnswer": "Yes, if you graduate in 2028 or later. Wisconsin's 2023 Act 60 requires a half credit of personal finance to graduate. Under a 2026 law, a program run in your school by a bank or credit union can also count.", "studentAction": "Ask your counselor whether your school counts an in-school bank or credit union program toward the half credit.", "keyNote": "2025 Act 223 (SB 921, signed 2026-04-08) lets a bank or credit union program run in the school, or an AP business with personal finance course, count toward the half credit.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Wisconsin Legislature: 2025 Wisconsin Act 223", "url": "https://docs.legis.wisconsin.gov/document/acts/2025/223.html", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] }, { "id": "WY", "name": "Wyoming", "tier": 4, "tierLabel": "Standards or access only", "statusHeadline": "In the state's skill standards, but no course or graduation requirement", "policyName": "K-12 common core mention", "adopted": "ongoing", "firstAffectedClass": null, "courseLength": null, "courseSize": null, "deliveryType": "standards-or-access", "implementation": null, "studentAnswer": "No. Wyoming lists personal financial management in the skills its schools must teach toward, but no course or credit is required to graduate.", "studentAction": "Ask your counselor if your school offers personal finance as an elective. Many do even without a state rule.", "keyNote": "W.S. 21-9-101 lists 'personal financial management skills' in the common core of skills. W.S. 21-2-304 graduation requirements include no personal finance course.", "discrepancyNote": null, "checkerNote": null, "pendingLegislation": [], "sources": [ { "label": "Wyoming Legislature: Wyoming Statutes Title 21 (W.S. 21-9-101, 21-2-304)", "url": "https://wyoleg.gov/statutes/compress/title21.pdf", "kind": "primary" }, { "label": "NGPF Live US Dashboard", "url": "https://www.ngpf.org/live-us-dashboard/", "kind": "tracker" } ], "lastVerified": "2026-09-21", "verified": true, "verificationNote": null, "unverifiedFields": [] } ]