For schools in any state

State financial literacy requirements, and what QuantAim covers

If your state has introduced a personal finance graduation requirement, you have been handed a list of topics and asked which part of your course covers each one. This page answers that.

Most state requirements are written against the 2021 National Standards for Personal Financial Education, published jointly by the Council for Economic Education and the Jump$tart Coalition. That framework names six topics. Some states adopt them verbatim, some rename them, and a few publish their own list that reduces to the same six.

6 of 6 topics map to a QuantAim unit that exists today. Our Personal Finance track was built around these six, which is why the mapping is one to one rather than spread thinly across a general course.

The six topics, and what covers each

National standard

Earning income

5 lessons

Covered by

Unit 1 — Earning Income

Wages and salary, benefits, self-employment, payroll deductions, and the difference between gross and take-home pay.

National standard

Spending

5 lessons

Covered by

Unit 2 — Budgeting and Spending

Budgeting, tracking, needs against wants, major purchase decisions, and the real cost of everyday choices.

National standard

Saving

5 lessons

Covered by

Unit 3 — Saving and Emergency Funds

Emergency funds, savings vehicles, interest, and what inflation does to money held rather than invested.

National standard

Investing

5 lessons

Covered by

Unit 5 — Investing and Retirement

Risk and return, diversification, the effect of fees over time, and long-horizon retirement accounts.

National standard

Managing credit

5 lessons

Covered by

Unit 4 — Credit and Debt

Credit scores, interest and APR, the cost of borrowing, credit cards, student loans and mortgages.

National standard

Managing risk

5 lessons

Covered by

Unit 6 — Insurance, Risk, and Taxes

Insurance and risk transfer, fraud and consumer protection, and the tax side of financial decisions.

Unit names and lesson counts are read from our live curriculum when this page loads, so they cannot drift out of date with the courses themselves.

States we have mapped individually

Where a state publishes its own list, or its deadline is the reason you are reading, we map it separately rather than pointing you at the national framework and leaving you to do the work.

Hawaii Hawaii State Department of Education · 6 areas mapped

Your state not listed? That means we have not read its published standards yet, not that we do not cover them. Email ejanecek@quantaim.org with your state, or a link to what your department has been given, and we will map it properly and send it back. We would rather do that than publish a guess at what your state requires.

What to ask any provider

Whatever you adopt, the question that decides a curriculum review is not "did we teach it" but "can we show each student met each topic". A gradebook with one column per unit answers the first and not the second. Ask how a provider reports per topic rather than per lesson, because that is the report you will be asked for.

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On approval. This page shows how our material lines up with topics published by the Council for Economic Education and the Jump$tart Coalition. QuantAim has not been reviewed, approved, endorsed or certified by either organisation, by any state education agency, or by any district. If your district runs a formal curriculum review, email us and we will provide whatever your process requires.