Financial Literacy Graduation Requirements by State

How to meet a personal finance mandate: a repeatable process to identify the rule, choose a model, align to standards, and document compliance.

Which state personal finance mandates go live in 2026-27, which legislatures are still moving, and what to do with the year before your state's date.

Which states require personal finance to graduate, when each mandate reaches its first graduating class, and what it means for your course. Updated 2026.

Texas HB 27 makes a half credit of personal financial literacy a graduation requirement, starting with 9th graders in 2026-27. The Class of 2030 is first.

HB 342 replaces Kentucky's embedded standards with a required one-credit financial literacy course, first held to the Class of 2029. What it takes.

Ohio's first required financial literacy class just graduated. What the half-unit requirement involves, the teacher licensure rule, and what's next.

Michigan's Class of 2028 must complete a half-credit personal finance course. Where your students stand, and how to schedule the next two years.

Indiana's Class of 2028 must complete a Personal Financial Responsibility course. What SEA 35 requires and how to make the course live up to its name.

Hawaii's personal finance requirement begins with the 2026-27 school year. What SB2407 set in motion and how schools can be ready on day one.

Georgia's Class of 2028 must complete a half-credit personal financial literacy course. How the flexible credit works and how districts should use it.

Florida's first required financial literacy cohort graduates in 2027. What the Hukill Act requires, and how schools can move from compliance to quality.

Delaware is the 30th state to require a personal finance course. What HB 203 requires, what DDOE is still finalizing, and how schools can prepare.

Colorado's HB25-1192 makes financial literacy a graduation requirement. What the standards-based approach means for districts, and how to plan now.

How schools satisfy financial literacy graduation requirements: what the standards actually cover, how they vary by state, and how to implement them well.

California's AB 984 makes a one-semester personal finance course a graduation requirement for the Class of 2031. A planning guide for district leaders.

Pennsylvania's personal finance academic standards take effect July 1, 2026. A teacher's guide to the domains, timeline, and how to align your course.