Personal Financial Literacy

The Maryland State Curriculum for Personal Financial Literacy Education Standards:

  • Apply financial literacy reasoning in order to make informed, financially responsible decisions
  • Relate choices regarding one’s education and career paths to earning potential
  • Plan and manage money effectively by identifying financial goals and developing spending plans
  • Make informed decisions about incurring debt and maintaining credit worthiness
  • Plan and achieve long-term goals related to saving and investing in order to build financial security and wealth
  • Develop financial planning skills to minimize financial setbacks
  • FCPS Approach to Financial Literacy Education


Kim Day
Curriculum Specialist for Elementary Social Studies 

(301) 644-5133

Kathy Farrell
Administrative Secretary

(301) 644-5133


Maryland Financial Literacy online

Grades 3-5

Students enrolled in grades 3-5 access the Personal Financial Literacy curriculum through Social Studies units in grades 3, 4 and 5.

Grades 6-8

Students enrolled in grades 6-8 access the personal literacy curriculum through the following required courses:

Grade 6: Life Skills, History of the Ancient World
Grade 7: History of the Medieval World
Grade 8: American Studies I

Grades 9-12*

Students entering FCPS as freshmen in the fall of 2012 must fulfill the requirement through enrollment in one or more of the following courses:

  • Academy of Finance 338010/338020
  • Advanced Career Development, Preparation, and Transition 495500
  • Introduction to Agricultural Science and Technology 492351
  • Independent Living 362020 - Gr. 9-12
  • Introduction to Business 331010 - Gr. 9-10
  • Introduction to Career Research and Development 498000 (Also available online)
  • Career Research, Preparation and Transition 495500 (also available online)
  • Management & Entrepreneurship 333090 - Gr. 11-12
  • Managing Your Personal Finance 336040
  • Microsoft Certification I (Word, Excel) 335111 - Gr. 10-12
  • Money, Finance and Economics 164370 (Also available online) - Gr. 10-12

*Check course availability at your local high school as some courses listed above may not be offered