As of September 2011, all local school systems are required to offer a program of instruction in financial literacy education for students in grades 3-12. Each program of instruction must be aligned to the Maryland Personal Financial Literacy State Curriculum described below.
The Maryland State Curriculum for Personal Financial Literacy Education
Grades 3-12 Standards
Make informed, financially responsible decisions
Students will apply financial literacy reasoning in order to make informed, financially responsible decisions.
Relate careers, education, and income
Students will relate choices regarding their education and career paths to earning potential.
Plan and manage money
Students will develop skills to plan and manage money effectively by identifying financial goals and developing spending plans.
Manage credit and debt
Students will develop skills to make informed decisions about incurring debt and maintaining credit worthiness.
Create and build wealth
Students will develop skills to plan and achieve long-term goals related to saving and investing in order to build financial security and wealth.
Manage risks and preserve wealth
Students will develop financial planning skills to minimize financial setbacks.
For more information on Personal Financial Literacy Education in Maryland please contact:
Education Program Specialist, Career and Technology Education Instructional Branch, Office of College and Career Pathways
Office: (410) 767-0486
Fax: (410) 333-8666