Financial Literacy Curriculum – High School, Middle School & College

The National Financial Educators Council’s financial literacy curriculum is not only engaging and fun; it motivates participants to take positive action.  Designed around core education standards, the curriculum uses practical, hands-on learning so students reap the benefits of improved financial capabilities.

Today’s youth want to learn about money.  But unfortunately, most financial education curriculum is boring, outdated, and substandard of current educational benchmarks.  These materials tend to turn students off from learning and leave educators frustrated.  Given that you must teach financial literacy in a limited time frame, you want to choose lesson plans that will have lasting impact on the lives of your students.

The NFEC’s youth financial literacy curriculum is enjoyable for teachers and students while meeting core educational standards.  Created through collaboration between financial professionals, educators, and financial education experts, the NFEC’s financial capability curriculum delivers practical lessons that our youth can use in the real world.


The NFEC’s Financial Literacy Curriculum features:

High school financial literacy curriculum and student guideEngaging Fun, and Interactive Lessons. The NFEC is widely recognized for its ability to connect with students and inspire them to take positive financial action.  Delivering compelling, relevant content using examples and vernacular to which students can easily relate increases retention rates and makes the process more enjoyable for students and educators alike.

Practical Curriculum that Meets Educational Standards. The NFEC’s financial literacy curriculum bridges the gap between real world application and theory-based education.  Practical activities have students completing exercises that will help them now and when they move out on their own.

Age Ranges Served: The teen and young adult curriculum is specifically designed for youth in middle school, high school, and college.  The material uses relevant examples that apply to their near- and long-term future.

Modular Design: The financial literacy presentations are designed in a modular format to accommodate a variety of schedules.  People have used this material as an afterschool program, camp, in-class training, workshop, and various other forms of delivery.

Independent: The NFEC’s financial literacy curriculum is not affiliated with any credit card company or financial institution.  The NFEC is an independent social enterprise organization and the sole purpose of the material is to improve participants’ financial capabilities.  Other curricula on the market often indoctrinate children with brand messaging of companies that may not serve the best interests of our youth.

Topics Covered: The curriculum covers 10 personal finance topic areas including Budgeting & Account Management, Credit & Debt, Financial Psychology, Skill Development, Income, Risk Management, Social Enterprise, Investments, Business Relations, and Long-Term Planning.

Design Team. The NFEC employs a Curriculum Advisory Board comprised of award-winning educators, financial professionals, specialists from a variety of financially-related fields, and financial education experts.  Together, the Curriculum Advisory Board has reviewed the personal financial statements of more than 50,000 people, and their training programs and material reach more than a million people each year.  This collaboration resulted in financial literacy courses that successfully bridges the gap between theory-based education and practical application.

The financial literacy curriculum for high school, middle school and college meets educational standards while offering practical tools to help our youth prepare for the financial real world.  NFEC programs employ innovations that combine current technology trends with interactive games, creating experiential learning methods to which students can readily relate.


What You Receive:

High school financial literacy booksInstructor’s Guide, Student Guides and Presentation. The NFEC curriculum provides more than 100 personal finance lessons, broken down into module format to make delivery easy. You receive both the Core 12 and Core 80 curricula.

The NFEC’s Core 12 Financial Literacy Curriculum provides the essential money management lessons that all youth must receive before they move out on their own. Included are an instructor’s guide, student guide, and a PowerPoint presentation; the package delivers approximately 12 hours of coursework.Also included is the Core 80 Curriculum (instructor’s and student guides) that comprises over 80 lectures, activities, and games. Core 80 can be presented as a semester-long program or simply used as a resource—choose from a variety of lessons and personal finance topics to share with students.

Real Money Experience (Classroom Version). This personal finance game offers students an eye-opening glimpse into their financial futures, giving them hands-on experience making the financial decisions they’ll face after graduation.

Students get to make a “practice run” at life from within a safe environment.  Through the course of the game (approximately 3 hours or several classes), they complete a budget by choosing their living situations, transportation, insurance, savings, education, investments, and more.

Designed around core education standards, this curriculum/game uses experiential learning techniques to help students improve their financial decision-making abilities.  The interactive approach improves retention rates while making the process enjoyable for students and teachers alike.

Entertaining & Educational Videos. Receive over 20 videos that can be integrated with the Core 12 and Core 80 curricula.  These entertaining video segments pique students’ interest in learning financial literacy lessons and inspire viewers to take action on what they learn.

Testing & Survey Package. The testing and survey package includes surveys for pre- and post-testing to help you quantify program success.

Consultation. NFEC Certified Financial Education Professionals can help you choose the lesson plans that best fit your objectives, time requirements, and participant academic level.

Additional Bonuses. Receive “Money Grows on Trees” – a guide for instructors and parents that provides effective lessons to teach kids about money; and “Family Money Talks” – a booklet that features the 10 money management talks that adults must have with their children.


Register Now

By now you understand that the NFEC’s financial literacy curriculum for high school and middle school offers a comprehensive turnkey solution to your financial education needs.

Current Certified Financial Education Instructor in good standing or those that are currently enrolled in the CFEI course may purchase this curriculum as a standalone product for $247.  Current Certified Financial Education Instructors – Contact Us to invest in this curriculum.


Become Certified and Receive the Curriculum Package

For those not enrolled in the Certified Financial Education Instructor program become a NFEC Certified Educators and receive the Curriculum Package.

The Certified Financial Education Instructor (CFEI) professional development course provides you with the knowledge, credibility, and confidence to teach financial literacy effectively.  Graduates of the Certification coursework take their place among the most qualified personal finance educators.

The Certified Financial Education Instructor coursework has been approved by the Certified Financial Planner Board of Standards for 4 hours of continuing education (CE) credits and is used by 2 of the top 10 colleges in the country. The CFEI training program has served numerous educators, nonprofits, credit unions, banks, financial advisors, and concerned citizens worldwide.

Graduates report feeling more confident when delivering college, middle school and high school personal finance programs. They experience greater enjoyment in delivering the instruction.  Upon completion of the course, you are registered as Certified Financial Education Instructors and receive complimentary admission to the NFEC’s Personal Finance Speakers Association.


The CFEI Coursework Includes:

Virtual Video Training. 12 hours of video training that improves your capabilities as a financial education instructor.

Course Manual. The manual will help you develop your own teaching style and personalize your presentations.

CFEI financial literacy curriculum high schoolMultimedia Learning Center. Helps you understand personal finance topics.

Curriculum Training. Video training that walks you through the curriculum.

Certification Award. A personalized Certification Award is mailed to you after you complete the testing.

Logo. Add the CFEI logo on outreach material to boost your credibility as a financial educator.

Ongoing Training. Ensures that our CFEI instructors are up-to-date with the best practices in the industry.


Invest in the Curriculum Package and Certified Financial Education Instructor coursework now for $496.

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  *To maintain your Certification an annual renewal of $97 is required starting the second year. Read the complete terms and conditions.


Article – Financial Literacy Curriculum: High School, Middle School, and College

The financial problems being experienced by more than half of all adults today often stem from a few youthful mistakes that snowballed over time.  Combine these youthful errors with the fact that most adults never receive a financial education, and you have many people suffering the consequences of financial illiteracy.  Financial problems can be avoided when people are taught the NFEC financial literacy curriculum in high school—or at any point in their lives.

During high school, students form important financial habits.  College-bound students must make big decisions about their financial futures.  Yet the vast majority will never receive a practical financial education, nor even have a talk with their parents about money.  This lack of personal finance education has long-lasting and far-reaching impact on the lives of the students as they mature into adulthood.

Young people who do receive personal finance education in high school report feeling more confident in their ability to make better financial decisions.  Students are excited to learn the basic lessons involved in financial education, and the coursework is easier to understand than most secondary education classes.  Reports show that today’s youth want to learn about money and understand the impact of financial decisions on their lives.

The NFEC encourages parents, educators, and concerned citizens to teach the next generation about money.  Such education can improve all areas of their lives and give them a head start that many of us wish we had been given when we were growing up.  Share the NFEC’s Financial Literacy Curriculum High School Edition with your students to empower them with the skills, knowledge, and confidence to make sound financial decisions for a positive future.

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