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Florida personal finance standards and requirements

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Florida students entering grade 9 in 2023–24 or later must earn one-half credit in personal financial literacy and money management for a standard high school diploma. Approved stand-alone and combined course options can satisfy the requirement.[1][3]

Last reviewed September 19, 2026

View official sources
Stand-alone course
No
Graduation requirement
Yes
Credit / duration
0.5 credit
Effective / cohort
2023–24

What Florida requires

Senate Bill 1054 (2022) amended Florida’s diploma statute to add one-half credit of personal financial literacy and money management for students entering grade 9 in 2023–24. The State Board subsequently revised course rules and adopted standards used in approved courses.[1][3]

Because Florida lists both dedicated personal-finance courses and Economics with Personal Finance, the statewide rule should not be described as requiring every student to take a stand-alone course.[4]

The requirement can be met through approved stand-alone personal finance courses or economics-with-personal-finance courses; it is a credit requirement, not a statewide stand-alone-course mandate.[1][3][4]
Grades / placement
Grades 9–12
Responsible agency
Florida Department of Education
Assessment required
Not located
Evidence
6 primary sources

Implementation timeline

  1. Milestone 01

    The Dorothy L. Hukill Financial Literacy Act was signed.[6]

  2. Milestone 02

    The State Board adopted revised financial literacy standards.[3]

  3. Milestone 03

    The amended course-requirements rule became effective.[3]

  4. Milestone 04

    The requirement began with students entering grade 9.[3]

Florida personal finance standards

The complete list below contains all 13 required personal finance topics currently identified in the controlling state materials. Each topic remains separate so educators and search engines can find the exact requirement.

Official standards document

Florida State Academic Standards for Personal Financial Literacy and Money Management

Adopted by Florida State Board of Education on 2023-05.

Open the official document

Complete required instruction topics

Florida’s official personal financial literacy and money management specifications list all 13 subjects that must be discussed or taught for the one-half-credit graduation requirement.

  1. 01
    F.S. §1003.4282(3)(h)1Grades 9–12 approved coursePage 24, required topic 1

    Bank accounts and financial institutions

    Compare types of bank accounts, learn how to open and manage an account, and assess the quality and cost of a financial institution’s services.[5]

  2. 02
    F.S. §1003.4282(3)(h)2Grades 9–12 approved coursePage 24, required topic 2

    Balancing a checkbook

    Maintain an accurate transaction record and reconcile a checkbook or comparable account register against financial institution records.[5]

  3. 03
    F.S. §1003.4282(3)(h)3Grades 9–12 approved coursePage 24, required topic 3

    Spending, credit, credit scores, and debt

    Apply core money-management principles to spending, consumer credit, credit scores, and retail and credit-card debt.[5]

  4. 04
    F.S. §1003.4282(3)(h)4Grades 9–12 approved coursePage 24, required topic 4

    Loan applications

    Understand the information, disclosures, qualifications, and borrower responsibilities involved in completing a loan application.[5]

  5. 05
    F.S. §1003.4282(3)(h)5Grades 9–12 approved coursePage 24, required topic 5

    Inheritance

    Examine the financial, tax, planning, and decision-making implications that can arise when receiving an inheritance.[5]

  6. 06
    F.S. §1003.4282(3)(h)6Grades 9–12 approved coursePage 24, required topic 6

    Personal insurance

    Understand the basic purposes, policy features, costs, coverage limits, and consumer considerations of personal insurance.[5]

  7. 07
    F.S. §1003.4282(3)(h)7Grades 9–12 approved coursePage 24, required topic 7

    Federal income taxes

    Compute federal income taxes and understand the income, deductions, forms, and calculations used in the filing process.[5]

  8. 08
    F.S. §1003.4282(3)(h)8Grades 9–12 approved coursePage 24, required topic 8

    Local tax assessments

    Understand how local tax assessments are determined and how they affect individuals, property, and household financial decisions.[5]

  9. 09
    F.S. §1003.4282(3)(h)9Grades 9–12 approved coursePage 24, required topic 9

    Interest-rate calculations

    Compute and compare interest rates using different mechanisms and evaluate their effect on borrowing, saving, and investing.[5]

  10. 10
    F.S. §1003.4282(3)(h)10Grades 9–12 approved coursePage 24, required topic 10

    Simple contracts

    Read and interpret simple contracts, including essential terms, obligations, costs, and consequences for the parties involved.[5]

  11. 11
    F.S. §1003.4282(3)(h)11Grades 9–12 approved coursePage 24, required topic 11

    Billing-statement disputes

    Identify an incorrect billing statement and follow an appropriate process to document and contest the error.[5]

  12. 12
    F.S. §1003.4282(3)(h)12Grades 9–12 approved coursePage 24, required topic 12

    Savings and investments

    Compare common types of savings and investment products, their purposes, potential returns, risks, costs, and time horizons.[5]

  13. 13
    F.S. §1003.4282(3)(h)13Grades 9–12 approved coursePage 24, required topic 13

    State and federal finance laws

    Understand state and federal laws that govern personal finance, consumer transactions, borrowing, and financial services.[5]

Relevant law, rule, or board action

§ 1003.4282(3)(h), Florida Statutes

Requirements for a standard high school diploma

Requires one-half credit in personal financial literacy and money management for the covered grade-9 entry cohorts.[1]

Notes for teachers and curriculum leaders

  • Confirm that the selected course carries Florida’s PL graduation-requirement designation. The Department lists multiple approved course pathways.[4]

Official sources

  1. 1
    Section 1003.4282 — Requirements for a standard high school diplomaFlorida Senate · statute · published 2026 · accessed 2026-09-19
  2. 2
    Graduation RequirementsFlorida Department of Education · agency guidance · accessed 2026-09-19
  3. 3
    Amendments to Rule 6A-1.09412 regarding Personal Financial Literacy and Money ManagementFlorida Department of Education · agency guidance · published 2024-01-12 · accessed 2026-09-19
  4. 4
    Florida Organization of Instructional Programs — FinanceFlorida Department of Education · agency guidance · published 2024 · accessed 2026-09-19
  5. 5
    9–12 Personal Financial Literacy and Money Management SpecificationsFlorida Department of Education · standards · published 2023 · accessed 2026-09-19
  6. 6
    Governor signs the Dorothy L. Hukill Financial Literacy ActFlorida Department of Education · agency guidance · published 2022-03-22 · accessed 2026-09-19

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Frequently asked questions

How much personal finance credit does Florida require?

Covered students must earn one-half credit in personal financial literacy and money management.[1]

Does Florida require a separate stand-alone course?

No. Florida approves both stand-alone courses and Economics with Personal Finance options, so the statewide rule is a credit requirement rather than a universal stand-alone-course mandate.[4]