K-12 FINANCIAL EDUCATION

Financial Literacy & Financial Education for K-12 Students

Prepare students for their financial future

Financial education is more than dollars and cents. It’s about establishing better spending habits, instilling confidence, and equipping the next generation with the real-world skills to manage financial goals and milestones.

EVERFI’s online financial education curriculum, training, and support are completely free to K-12 educators.

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Download your free Financial Literacy Toolkit

Financial Education for High School Students

According to Forbes, 87% of teens say they don't really understand their personal finances (2022). The need for financial literacy programs is undeniable. As of January 2024, twenty-five U.S. states require financial education for high school students to graduate; many more have bills pending.

Financial Literacy for High School Students | Free Course

Description

EVERFI's free high school financial literacy course equips students with tools to manage their personal finances in the real world, from applying for financial aid to establishing credit and investing. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

Data Science for High School Students | Free Online Courses

Description

Data Science Foundations is designed to empower students with knowledge about the fundamentals of data science, its currency in the job market, and its applicability to everyday life. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

Marketplaces – High School Investment Education

Description

In Marketplaces, students learn basic investment concepts that are needed to intelligently and confidently participate in the financial markets.

Grade Levels

9th, 10th, 11th, 12th

Accounting Careers: Limitless Opportunities

Description

Accounting Careers is a digital course that shows learners how an accounting background can help them achieve their career goals.

Grade Levels

9th, 10th, 11th, 12th

Sustainable Investing Essentials

Description

Sustainable Investing Essentials is a free digital program for high school students teaching the benefits of sustainable investing with a focus on responsible decision-making that aligns to personal values and how to leave a lasting social impact.

Grade Levels

9th, 10th, 11th, 12th

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Build: Credit Fundamentals

Description

Build: Credit Fundamentals teaches students the fundamentals of maintaining and managing a healthy credit score. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

EVERFI Pathways: Financing Higher Education

Description

Pathways develops informed consumers, preparing students to make wise financial decisions when considering how to best finance their higher education and pay for college. Students learn about topics like financial aid, applying for FAFSA, student loans, and budgeting for responsible loan repayment. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

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Crypto Foundations

Description

Crypto Foundations is a digital program that teaches high school students what cryptocurrency is, how it's created on the blockchain and the risks and benefits of holding cryptocurrencies as an investment.

Grade Levels

9th, 10th, 11th, 12th

Grow: Financial Planning for Life

Description

Grow: Financial Planning for Life is a digital program that helps teach students how to make wise financial decisions to promote financial well-being over their lifetime. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

Money Moves: Modern Banking & Identity Protection®

Description

Money Moves: Modern Banking & Identity Protection® is a digital program that helps students develop strategies for managing their finances through online and mobile banking tools. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

Youth Entrepreneurship Curriculum | Free Online Course

Description

Students start their own food truck business, and learn to write a business plan, hire a team, hone their pitch, and balance a budget in the process.

Grade Levels

7th, 8th, 9th, 10th

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EVERFI's K-12 Financial Literacy Resources Are Available at No Cost to Teachers, Schools, & Districts.

Financial literacy is more than being able to add dollars and cents.

Financial Literacy Education FAQ

Research from the Consumer Financial Protection Bureau found that financial skill and financial self-efficacy are strongly associated with financial behavior, and so are key steps on the path to financial well-being. In this context, financial skill is knowing how to find, process, and take action based on information and self-efficacy is confidence in one’s ability to reach financial goals.

EVERFI works with partners to secure funding so that all of our digital financial literacy resources, training, and support are completely free to teachers, districts, and families.

Financial literacy and education are very similar and work together – while financial education means that people can understand complex financial concepts, financial literacy supports them to put these concepts into action.

Understanding and being proficient in the use of different financial skills, such as investing, budgeting, and personal financial management, is known as financial literacy. The cornerstone of your relationship with money is laid out by financial literacy, which is a lifetime learning process. The earlier you begin, the better off you will be as education is the secret to financial success.

Financial literacy and education are very similar and work together – while financial education means that people can understand complex financial concepts, financial literacy supports them to put these concepts into action.

Prior to taking part in financial education, less than a third of high school juniors and seniors

reported that they felt prepared to compare financial institutions and select one that best meets

their needs (32%). Slightly more students -- but still less than half (47%) -- felt they could select,

open, and manage a savings or checking account.

In general, there are 5 main principles of financial literacy:

  1. Earn
  2. Save and invest
  3. Protect
  4. Spend
  5. Borrow

No, our digital lessons help students learn more about financial education without a bank account.

Our financial literacy programs are designed to equip students with the knowledge and skills necessary to make informed and effective decisions with their financial resources. They introduce students to key concepts such as budgeting, saving, investing, understanding credit, and planning for the future. By understanding these concepts, students are better prepared to navigate the financial decisions they'll encounter in their daily lives and in the future. In addition, these programs also help students develop critical thinking skills that can be applied to financial situations, fostering financial independence and responsibility. By partnering with established organizations, like EVERFI, we ensure the content is engaging, relevant, and age-appropriate.

To start a financial literacy program for students, first understand the needs and abilities of your targeted age group. Curriculum for younger students should cover basic concepts like the value of money, saving, and distinguishing between wants and needs, while older students may delve into more complex topics like budgeting, investing, credit, and taxes. Once you've identified the relevant topics, develop engaging and age-appropriate educational materials or identify existing resources that could be used. Partner with schools or educational institutions to deliver the program and provide training for teachers if necessary. Incorporate interactive activities and real-world examples to make learning more practical and engaging. Lastly, create an evaluation method to assess the effectiveness of the program and make necessary improvements over time. Starting a financial literacy program for students can be significantly streamlined by partnering with a company that already has established programs, such as EVERFI. By partnering with EVERFI, or similar organizations, you gain access to a wealth of educational content that has been tested and proven effective. This can save considerable time and effort in developing a curriculum from scratch. In addition, these companies often provide support in implementing the program and training educators. Therefore, such a partnership can be a highly effective strategy for introducing a comprehensive and high-quality financial literacy program to students.

Financial literacy refers to the understanding of various financial skills, including personal finance management, budgeting, investing, borrowing, earning, saving, and the utilization of financial resources. These abilities hold significance for knowledgeable decisions regarding investments, financial resources, and personal financial health. Financial literacy encompasses comprehension of budgeting, investing, credit and debt, planning for savings and retirement, understanding taxes and insurance, and navigating financial institutions and systems. Possessing these skills provides individuals with the capacity to steer through financial decisions they encounter and to make informed choices about their money management. In the absence of financial literacy, individuals may end up making unfavorable financial choices, which can lead to adverse consequences in the long run.

Comprehensive, Digital Financial Literacy

EVERFI's free lesson library offers financial education curriculums for students in grades 4 through 12. Each program offers a range of scenario-based activities, allowing students to puts their saving, spending, and financial planning skills to practice in a real-world context.

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Access and Accountability

Asynchronous learning allows for lessons anytime, anywhere with built-in assessments and real-time grading.

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Turnkey Lessons

Gamified financial skills in a fail-safe environment. Teachers receive lesson plans, activities, & discussion guides, too.

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Implementation Support

Our regional support team guides teachers every step of the way, through on-demand training and professional learning events.

EVERFI'S HIGH SCHOOL FINANCIAL WELLNESS SUITE

Financial Literacy for High School Students

EVERFI’s High School Financial Wellness Suite offers educators the platform to create a comprehensive, customized learning experience, deepening student knowledge around a range of personal finance topics. All of the interactive, online resources are available to schools free of charge.

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