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) 644-5264

Mary Feist
Administrative Secretary

(301) 644-5264


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: Food Science, Lab 21 (required courses)
Grade 8: Life Skills in Society (CTE elective)

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:

Title of Course Course #
Advanced Career Development, Preparation and Transition
495500 (also available online)
Intro to Agricultural Science and Technology
Also meets 1st course requirement for Pre Vet and Horticulture Completers
Independent Living
Also meets course requirement for Child Development Completer
CTE - Family and Consumer Sciences
Introduction to Business
Also meets 1st course requirement for all three Business Completers
Introduction to Career Research and Development
Also meets 1st course requirement for CRD completer
498000 (also available online)
Management & Entrepreneurship
CTE - Bus Ed
Managing your Personal Finance
CTE - Bus Ed
Microsoft Certification I (Word, Excel)
CTE - Bus Ed
Money, Finance and Economics
SS Elective
164370 (also available online)
NJROTC - Naval Science 2 568820
Economics and Geography 164070

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