Live U.S. Dashboard: Guarantee States
Momentum is growing each year as more states guarantee a standalone Personal Finance course for all high schoolers.
States
States
States
States
States
Currently, there are 30 Guarantee States:
11 fully implemented, 19 in progress
Alaska
Some personal finance standards embedded within other courses
0.5%
of high school students are locally required to take a standalone Personal Finance course to graduate
Wisconsin
Standalone one-semester Personal Finance course requirement adopted December 2023
2028
will be the first graduating high school class to be required to take the Financial Literacy class
Michigan
Standalone one-semester Personal Finance course requirement adopted May 2023
2028
will be the first graduating high school class to be required to take the Personal Finance course
New York
Personal finance instructional requirement (standalone, embedded, or CTE) adopted March 2026
3.8%
of high school students are locally required to take a one semester Personal Finance course to graduate
Massachusetts
No requirement, but personal finance standards adopted and funding appropriated for teacher professional development
9.7%
of high school students are locally required to take a standalone Personal Finance course to graduate
Connecticut
Standalone one-semester Personal Finance course requirement adopted June 2023
2027
will be the first graduating high school class to be required to take the Personal Finance course
Rhode Island
One semester personal finance graduation requirement adopted October 2021
64.9%
implementation of Personal Finance course requirement statewide
Oregon
Full-year Future Planning course requirement adopted August 2023; includes one standalone semester of Personal Finance
2027
will be the first graduating high school class to be required to take the Personal Finance course
Nevada
Some personal finance standards embedded within required Economics course
4.4%
of high school students are locally required to take a standalone Personal Finance course to graduate
Wyoming
Some personal finance standards embedded within Social Studies framework
33.6%
of high school students are locally required to take a standalone Personal Finance course to graduate
South Dakota
Students required to take EITHER one half credit of Personal Finance or Economics
52.2%
of high school students are required to take a one semester Personal Finance course to graduate
Maine
Personal finance standards embedded in system of Maine Learning Results
20.2%
of high school students are locally required to take a standalone Personal Finance course to graduate
Iowa
One semester Personal Finance course required for high school graduation since the class of 2023, later watered down to allow embedding
68.8%
implementation of standalone Personal Finance course requirement statewide
Illinois
One quarter Consumer Education requirement with partial implementation
24.4%
of high school students are locally required to take a standalone, one-semester Personal Finance course to graduate
Indiana
Standalone one-semester Personal Finance course requirement adopted April 2023
2028
will be the first graduating high school class to be required to take the Personal Finance course
Ohio
One semester Personal Finance course required for high school graduation since the class of 2026
73.2%
implementation of standalone Personal Finance course requirement statewide
Pennsylvania
Standalone one-semester Personal Finance course requirement adopted December 2023
2030
will be the first graduating high school class to be required to take the Personal Finance course
New Jersey
Students required to take one half year of "Financial, Economic Business, and Entrepreneurial Business Literacy" which can be embedded across multiple courses.
48.6%
of high school students are locally required to take a one semester Personal Finance course to graduate
California
Standalone one-semester Personal Finance course requirement adopted June 2024; two-phase implementation
2031
will be the first graduating high school class to be required to take the Personal Finance course
Utah
One semester General Financial Literacy (GFL) course required for high school graduation since the class of 2008
100%
implementation of GFL course requirement statewide
Colorado
Standalone one-semester Personal Finance course requirement adopted May 2025; Course must cover all CO Financial Literacy Standards for Grades 9-12
2030
will be the first graduating high school class to be required to take the Personal Finance course
Nebraska
One semester personal finance graduation requirement adopted May 2021
92.1%
implementation of standalone Personal Finance course requirement statewide
Vermont
Personal finance standards embedded within Proficiency Based Graduation Requirements
20.4%
of high school students are locally required to take a standalone Personal Finance course to graduate
Missouri
One semester Personal Finance course required for high school graduation since the Class of 2010
100%
implementation of standalone Personal Finance course requirement statewide
Kentucky
Standalone full-year Personal Finance course requirement adopted March 2025
2030
will be the first graduating high school class to be required to take the Personal Finance course
West Virginia
Standalone one-semester Personal Finance course requirement adopted March 2023
2028
will be the first graduating high school class to be required to take the Personal Finance course
Virginia
One year Economics and Personal Finance (EPF) course required for high school graduation since the class of 2015
100%
implementation of EPF course requirement statewide
Maryland
Personal finance standards required, county-dependent implementation
27.4%
of high school students are locally required to take a standalone Personal Finance course to graduate
Delaware
Standalone half-credit Personal Finance course requirement adopted October 2025
2030
will be the first graduating high school class to be required to take the Personal Finance course
Arizona
Personal finance standards embedded within Economics, specialized seal offered on high school diplomas
1%
of high school students are locally required to take a standalone Personal Finance course to graduate
New Mexico
Personal finance standards embedded in Economics; school districts encouraged to adopt Financial Literacy as a standalone local credit requirement
30.2%
of high school students are locally required to take a one-semester or one-year Financial Literacy course
Kansas
Standalone one-semester Personal Finance course requirement adopted November 2022
2027
will be the first graduating high school class to be required to take the Personal Finance course
Arkansas
Personal finance standards embedded within Economics
10.9%
of high school students are locally required to take a standalone Personal Finance course to graduate
New Hampshire
Standalone one-semester Personal Finance course requirement adopted September 2022
2027
will be the first graduating high school class to be required to take the Personal Finance course
Tennessee
One semester Personal Finance course required for high school graduation since the class of 2013
99.7%
implementation of standalone Personal Finance course requirement statewide
North Carolina
One year Economics & Personal Finance (EPF) course required for high school graduation since the Class of 2024
99.2%
implementation of EPF course requirement statewide
South Carolina
Standalone one-semester Personal Finance course requirement adopted September 2022
2028
will be the first graduating high school class to be required to take the Personal Finance course
Washington, D.C.
Limited personal finance elective access, plus some personal finance concepts embedded within "Tenacity" program
0%
of high school students are required to take a one semester Personal Finance course to graduate
Oklahoma
Personal finance standards and diploma passport adopted for grades 7-12
46%
of high school students are locally required to take a standalone Personal Finance course to graduate
Louisiana
Standalone full-year Personal Finance course requirement adopted June 2023
2027
will be the first graduating high school class to be required to take the Personal Finance course
Mississippi
One year College & Career Readiness (CCR) course, including one semester of personal finance, required since the Class of 2022
92.2%
implementation of CCR course requirement statewide
Alabama
One year Career Preparedness course (including one semester of personal finance) required for high school graduation since Class of 2013
99.3%
implementation of standalone Personal Finance course requirement statewide
Georgia
Standalone one-semester Personal Finance course requirement adopted April 2022
2028
will be the first graduating high school class to be required to take the Personal Finance course
Hawaii
Limited embedded personal finance requirement adopted by HDOE in 2026
0.8%
of high school students are required to take a one semester Personal Finance course to graduate
Washington
Personal finance standards embedded within other courses K-12; funding appropriated for professional development
3.1%
of high school students are locally required to take a standalone Personal Finance course to graduate
Texas
Standalone one-semester Personal Financial Literacy course requirement adopted June 2025
2030
will be the first graduating high school class to be required to take the PFL course
Florida
Standalone one-semester Personal Finance course requirement adopted March 2022
2027
will be the first graduating high school class to be required to take the Personal Finance course
Idaho
Embedded Financial Literacy requirement within Economics adopted 2023
5.1%
of high school students are locally required to take a standalone Personal Finance course to graduate
Montana
Students required to take EITHER Financial Literacy or Economics since 2023
17%
of high school students are locally required to take a standalone Personal Finance course to graduate
North Dakota
Personal finance standards embedded within required Economics framework for grades 6-12
12.7%
of high school students are locally required to take a standalone Personal Finance course to graduate
Minnesota
One semester personal finance graduation requirement adopted May 2023
2028
will be the first graduating high school class to be required to take the Personal Finance course
ST
Guarantee State; fully implemented
ST
Guarantee State; implementation in progress
ST
Course not guaranteed
State passed policies in 2024
