jurisdictions tracked
National comparison
Personal finance education requirements by state
Compare standards, course requirements, diploma credits, and implementation schedules across all 51 tracked jurisdictions.
verified records
verified graduation requirements
verified stand-alone mandates
Read categories together. A graduation requirement does not always mean a stand-alone course. Research-pending rows remain visible for coverage transparency but are excluded from verified totals.
51 jurisdictions
| Jurisdiction | Policy status | Stand-alone | Graduation | Credit | Effective / cohort | Evidence |
|---|---|---|---|---|---|---|
 AlabamaAL | Graduation requirement | No | Yes | Financial literacy instruction is completed through an approved course; Career Preparedness is a 1-credit diploma requirement | 2028 | Graduation requirement |
 AlaskaAK | Standards, no stand-alone mandate located; No statewide requirement located | No | No | — | — | Standards, no stand-alone mandate located |
 ArizonaAZ | Graduation requirement | No | Yes | 0.5 credit in economics including financial literacy and personal financial management | Statutory amendment effective August 27, 2019; no first covered school year is stated | Graduation requirement |
 ArkansasAR | Graduation requirement | No | Yes | Credit in a grade 9-12 course containing the Personal and Family Finance Standards; the current diploma framework includes 0.5 credit of Economics with Personal Finance, while other approved implementing courses carry 0.5 to 1.5 credits | 2017-18 entering grade-9 cohort | Graduation requirement |
 CaliforniaCA | Stand-alone course required; Graduation requirement; Pending or phased implementation | Yes | Yes | One semester | 2030–31 | Stand-alone course required |
 ColoradoCO | Graduation requirement | No | Yes | Completion of one locally designated graduation-required course containing all high-school financial literacy standards; no statewide credit amount specified | 2025-26 | Graduation requirement |
 ConnecticutCT | Graduation requirement | No | Yes | 0.5 credit | 2027 | Graduation requirement |
 DelawareDE | Graduation requirement; Pending or phased implementation | No | Yes | 0.5 credit | Students entering grade 9 in 2026-27 and later | Graduation requirement |
 FloridaFL | Graduation requirement | No | Yes | 0.5 credit | 2023–24 | Graduation requirement |
 GeorgiaGA | Graduation requirement | No | Yes | At least 0.5 credit | 2024-25 | Graduation requirement |
 HawaiiHI | Graduation requirement; Pending or phased implementation | No | Yes | No separate personal-finance credit; completion is documented through the required 0.5-credit Personal Transition Plan | Class of 2030 | Graduation requirement |
 IdahoID | Graduation requirement | No | Yes | 1 Idaho credit in economics and financial literacy within the 5-credit social-studies requirement | 2023-24 | Graduation requirement |
 IllinoisIL | — | No | No | Nine weeks or the equivalent; no separate statewide credit value specified | — | — |
 IndianaIN | Stand-alone course required; Graduation requirement; Pending or phased implementation | Yes | Yes | 1 Indiana credit in an approved personal finance course; the Class of 2028 may alternatively complete a two-course, two-credit finance pathway | 2028 | Stand-alone course required |
 IowaIA | — | No | No | Schools must offer and teach one-half unit; student completion for graduation is a local decision | — | — |
 KansasKS | Stand-alone course required; Graduation requirement | Yes | Yes | 0.5 unit | 2028 | Stand-alone course required |
 KentuckyKY | Graduation requirement | No | Yes | 1 elective credit for students entering grade 9 on or after July 1, 2025; earlier covered cohorts complete one or more standards-aligned courses or programs | 2025-26 entering grade-9 cohort | Graduation requirement |
 LouisianaLA | Stand-alone course required; Graduation requirement | Yes | Yes | 1 unit of Financial Literacy | 2024-25 entering grade-9 cohort | Stand-alone course required |
 MaineME | Graduation requirement | No | Yes | Personal finance is included within 2 years of social studies and history; no separate statewide personal-finance credit | — | Graduation requirement |
 MarylandMD | — | No | No | — | 2011-12 statewide implementation | — |
 MassachusettsMA | Standards, no stand-alone mandate located; No statewide requirement located | No | No | — | Local curriculum and graduation decisions remain controlling; no statewide student-completion year applies | Standards, no stand-alone mandate located |
 MichiganMI | Graduation requirement; Pending or phased implementation | No | Yes | 0.5 credit | Students entering grade 8 in 2023 and later | Graduation requirement |
 MinnesotaMN | Stand-alone course required; Graduation requirement; Pending or phased implementation | Yes | Yes | Course for locally determined credit; no statewide credit amount | 2024-25 entering grade-nine cohort | Stand-alone course required |
 MississippiMS | Graduation requirement; Pending or phased implementation | No | Yes | Beginning with the class of 2032: 0.5 Carnegie unit in personal finance, or 1.0 Carnegie unit in a course where at least half the standards concern financial literacy | 2032 | Graduation requirement |
 MissouriMO | Graduation requirement | No | Yes | 0.5 unit of personal finance | 2010 | Graduation requirement |
 MontanaMT | Graduation requirement | No | Yes | 0.5 unit of economics or financial literacy | 2026 statewide; 2027 in Billings under an approved variance | Graduation requirement |
 NebraskaNE | Graduation requirement | No | Yes | At least five Nebraska high school credit hours (at least one semester) | 2024 | Graduation requirement |
 NevadaNV | Graduation requirement; Pending or phased implementation | No | Yes | 0.5 credit in Economics and Financial Literacy for standard and advanced diplomas beginning with the class of 2029; earlier current cohorts require 0.5 credit in Economics | 2029 | Graduation requirement |
 New HampshireNH | Graduation requirement; Pending or phased implementation | No | Yes | 0.5 financial literacy credit for students entering high school in 2026-27 or later; earlier cohorts have 0.5 credit in economics including personal finance | 2026-27 for students entering high school | Graduation requirement |
 New JerseyNJ | Graduation requirement | No | Yes | At least 2.5 credits | High school: grade-nine class of 2010-11; middle school: 2019-20 | Graduation requirement |
 New MexicoNM | Graduation requirement | No | Yes | Within four social studies credits: 0.5 credit of Economics with Personal Financial Literacy, or a full-credit approved combined government, civics, economics, and personal-finance alternative | 2029 | Graduation requirement |
 New YorkNY | Pending or phased implementation | No | No | — | Class of 2030 (students entering grade 9 in 2026–27) | Pending or phased implementation |
 North CarolinaNC | Stand-alone course required; Graduation requirement | Yes | Yes | 1 credit | Students entering grade 9 in 2020-21; continued for later cohorts by State Board graduation policy | Stand-alone course required |
 North DakotaND | Pending or phased implementation | No | No | 0.5 unit of financial literacy, or required instruction integrated into an approved course | — | Pending or phased implementation |
 OhioOH | Graduation requirement | No | Yes | 0.5 unit; at least 60 hours of instruction | Class of 2026 | Graduation requirement |
 OklahomaOK | Graduation requirement; Pending or phased implementation | No | Yes | Required course or coursework; districts may embed the content or offer a separate 0.5-unit elective | 2029 | Graduation requirement |
 OregonOR | Stand-alone course required; Graduation requirement; Pending or phased implementation | Yes | Yes | 0.5 credit in Personal Financial Education within the 24-credit diploma minimum | 2027 | Stand-alone course required |
 PennsylvaniaPA | Graduation requirement | No | Yes | At least 0.5 credit; qualifying rigorous embedded courses may satisfy the mandate under Section 1551(b.1)(5.1) | 2027 | Graduation requirement |
 Rhode IslandRI | Graduation requirement | No | Yes | — | 2024 | Graduation requirement |
 South CarolinaSC | Graduation requirement | No | Yes | 0.5 credit in financial literacy within the 24-credit diploma total | 2023-24 entering freshman cohort | Graduation requirement |
 South DakotaSD | Graduation requirement | No | Yes | 0.5 unit of personal finance or economics | — | Graduation requirement |
 TennesseeTN | Graduation requirement | No | Yes | 0.5 credit in Personal Finance or an approved substitute course | 2013 | Graduation requirement |
 TexasTX | Graduation requirement; Pending or phased implementation | No | Yes | At least 0.5 credit | Class of 2030 (students entering grade 9 in 2026–27) | Graduation requirement |
 UtahUT | Graduation requirement | No | Yes | 0.5 credit in General Financial Literacy | 2008 | Graduation requirement |
 VermontVT | — | No | No | — | — | — |
 VirginiaVA | Graduation requirement | No | Yes | 1 standard credit | Students entering grade 9 in fall 2011 and later | Graduation requirement |
 WashingtonWA | Standards, no stand-alone mandate located; No statewide requirement located | No | No | — | Districts must provide grades 9-12 access; no statewide student-completion year applies | Standards, no stand-alone mandate located |
 West VirginiaWV | Graduation requirement; Pending or phased implementation | Not classified | Yes | Unresolved statutory-policy relationship: §18-2-7c specifies 0.5 credit; formal Policy 2510 and current WVDE guidance prescribe 1 credit in Personal Finance 1451 | Students entering grade 9 in 2024-25 and later | — |
 WisconsinWI | Graduation requirement; Pending or phased implementation | No | Yes | At least 0.5 credit of personal financial literacy | 2028 | Graduation requirement |
 WyomingWY | — | No | No | — | — | — |
 District of ColumbiaDC | Standards, no stand-alone mandate located; No statewide requirement located | No | No | — | 2024-25 standards implementation | Standards, no stand-alone mandate located |
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Financial literacy instruction is completed through an approved course; Career Preparedness is a 1-credit diploma requirement
- Effective / cohort
- 2028
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit in economics including financial literacy and personal financial management
- Effective / cohort
- Statutory amendment effective August 27, 2019; no first covered school year is stated
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Credit in a grade 9-12 course containing the Personal and Family Finance Standards; the current diploma framework includes 0.5 credit of Economics with Personal Finance, while other approved implementing courses carry 0.5 to 1.5 credits
- Effective / cohort
- 2017-18 entering grade-9 cohort
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- One semester
- Effective / cohort
- 2030–31
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Completion of one locally designated graduation-required course containing all high-school financial literacy standards; no statewide credit amount specified
- Effective / cohort
- 2025-26
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit
- Effective / cohort
- 2027
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit
- Effective / cohort
- Students entering grade 9 in 2026-27 and later
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit
- Effective / cohort
- 2023–24
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least 0.5 credit
- Effective / cohort
- 2024-25
- Stand-alone
- No
- Graduation
- Yes
- Credit
- No separate personal-finance credit; completion is documented through the required 0.5-credit Personal Transition Plan
- Effective / cohort
- Class of 2030
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 1 Idaho credit in economics and financial literacy within the 5-credit social-studies requirement
- Effective / cohort
- 2023-24
- Stand-alone
- No
- Graduation
- No
- Credit
- Nine weeks or the equivalent; no separate statewide credit value specified
- Effective / cohort
- —
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- 1 Indiana credit in an approved personal finance course; the Class of 2028 may alternatively complete a two-course, two-credit finance pathway
- Effective / cohort
- 2028
- Stand-alone
- No
- Graduation
- No
- Credit
- Schools must offer and teach one-half unit; student completion for graduation is a local decision
- Effective / cohort
- —
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- 0.5 unit
- Effective / cohort
- 2028
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 1 elective credit for students entering grade 9 on or after July 1, 2025; earlier covered cohorts complete one or more standards-aligned courses or programs
- Effective / cohort
- 2025-26 entering grade-9 cohort
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- 1 unit of Financial Literacy
- Effective / cohort
- 2024-25 entering grade-9 cohort
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Personal finance is included within 2 years of social studies and history; no separate statewide personal-finance credit
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- 2011-12 statewide implementation
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- Local curriculum and graduation decisions remain controlling; no statewide student-completion year applies
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit
- Effective / cohort
- Students entering grade 8 in 2023 and later
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- Course for locally determined credit; no statewide credit amount
- Effective / cohort
- 2024-25 entering grade-nine cohort
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Beginning with the class of 2032: 0.5 Carnegie unit in personal finance, or 1.0 Carnegie unit in a course where at least half the standards concern financial literacy
- Effective / cohort
- 2032
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 unit of personal finance
- Effective / cohort
- 2010
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 unit of economics or financial literacy
- Effective / cohort
- 2026 statewide; 2027 in Billings under an approved variance
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least five Nebraska high school credit hours (at least one semester)
- Effective / cohort
- 2024
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit in Economics and Financial Literacy for standard and advanced diplomas beginning with the class of 2029; earlier current cohorts require 0.5 credit in Economics
- Effective / cohort
- 2029
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 financial literacy credit for students entering high school in 2026-27 or later; earlier cohorts have 0.5 credit in economics including personal finance
- Effective / cohort
- 2026-27 for students entering high school
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least 2.5 credits
- Effective / cohort
- High school: grade-nine class of 2010-11; middle school: 2019-20
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Within four social studies credits: 0.5 credit of Economics with Personal Financial Literacy, or a full-credit approved combined government, civics, economics, and personal-finance alternative
- Effective / cohort
- 2029
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- Class of 2030 (students entering grade 9 in 2026–27)
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- 1 credit
- Effective / cohort
- Students entering grade 9 in 2020-21; continued for later cohorts by State Board graduation policy
- Stand-alone
- No
- Graduation
- No
- Credit
- 0.5 unit of financial literacy, or required instruction integrated into an approved course
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 unit; at least 60 hours of instruction
- Effective / cohort
- Class of 2026
- Stand-alone
- No
- Graduation
- Yes
- Credit
- Required course or coursework; districts may embed the content or offer a separate 0.5-unit elective
- Effective / cohort
- 2029
- Stand-alone
- Yes
- Graduation
- Yes
- Credit
- 0.5 credit in Personal Financial Education within the 24-credit diploma minimum
- Effective / cohort
- 2027
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least 0.5 credit; qualifying rigorous embedded courses may satisfy the mandate under Section 1551(b.1)(5.1)
- Effective / cohort
- 2027
- Stand-alone
- No
- Graduation
- Yes
- Credit
- —
- Effective / cohort
- 2024
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit in financial literacy within the 24-credit diploma total
- Effective / cohort
- 2023-24 entering freshman cohort
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 unit of personal finance or economics
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit in Personal Finance or an approved substitute course
- Effective / cohort
- 2013
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least 0.5 credit
- Effective / cohort
- Class of 2030 (students entering grade 9 in 2026–27)
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 0.5 credit in General Financial Literacy
- Effective / cohort
- 2008
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- Yes
- Credit
- 1 standard credit
- Effective / cohort
- Students entering grade 9 in fall 2011 and later
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- Districts must provide grades 9-12 access; no statewide student-completion year applies
- Stand-alone
- Not classified
- Graduation
- Yes
- Credit
- Unresolved statutory-policy relationship: §18-2-7c specifies 0.5 credit; formal Policy 2510 and current WVDE guidance prescribe 1 credit in Personal Finance 1451
- Effective / cohort
- Students entering grade 9 in 2024-25 and later
- Stand-alone
- No
- Graduation
- Yes
- Credit
- At least 0.5 credit of personal financial literacy
- Effective / cohort
- 2028
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- —
- Stand-alone
- No
- Graduation
- No
- Credit
- —
- Effective / cohort
- 2024-25 standards implementation
Field guide
What each category means
Policy labels are deliberately separate so a single badge never obscures how a requirement works.
Stand-alone course required
The controlling source requires a distinct personal finance course rather than allowing all content to be embedded elsewhere.
Graduation requirement
A student must complete a specified credit, course, or condition to receive the applicable state diploma.
Integrated or phased
Content may be delivered in another subject, or offering and graduating-cohort dates may begin at different times.