Financial Education for College Access & Success
CURRICULUM GUIDE
1. (Federal Core Competency: Earning/Income)
CREATE YOUR WEALTH
Student will be able to make informed decisions that will help them realize their desired income.
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Intro to planning and strategizing
Make informed decisions
Personal/career exploration
Sources of income
LESSON PLANS:
http://www.uen.org/core/displayLessonPlans.do;jsessionid=0556129EA14C5A732BFAB11339301C15?courseNumber=
200101&standardId=11395&objectiveId=11397 (Printable) Values, goals, decision-making and personal responsibility-Selection of lessons on goal-setting and decision-making. http://www.uen.org/Lessonplan/preview.cgi?LPid=555
(Printable) Decision Making—Students will learn how to make wise decisions. (Utah Education Network)
http://www.projectconnections.com/knowhow/subsets/sample-templates/PrioritiesGoalsWorksheet.doc (Printable)
Priorities, Goals, and Actions Alignment Worksheet—Create and prioritize critical goals and develop a personal action
plan. (projectconnections.com)
http://www.mentoring.org/downloads/mentoring_429.pdf (Printable) Goal-setting & Decision-Making—Complete
unit with worksheets about goal-setting and planning for the future. (Baylor University)
https://secure.collegefortn.org/Career_Planning/Learn_About_Yourself/Learn_About_Yourself.aspx (Online) Learn
About Yourself--Students learn about themselves using career assessment tools. (collegefortn.org)
https://secure.collegefortn.org/Career_Planning/Explore_Careers/Explore_Careers.aspx (Online & printable) Explore
Careers--Comprehensive career exploration organized by career clusters; includes career videos, comparing careers
side by side, and a Career Plan Builder. (collegefortn.org)
http://www.bls.gov/k12/ (Online & printable) Exploring Career Information, 2010-11—Basic career information
grouped by interests and hobbies common among students; includes Teacher Guide. (Bureau of Labor Statistics)
http://www.mynextmove.org/ (Online/interactive) What do you want to do for a living?--Tool for students to learn
more about their career options; includes tasks, skills, salary information, and more for over 900 different careers,
including “new and emerging” and “green” careers. (U.S. Dept. of Labor)
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) It’s Your Paycheck--Lesson 1: Invest in Yourself—
Identifies ways in which people invest in human capital and the link between investment in human capital and earning
income from online series titled It's Your Paycheck. (Federal Reserve Bank of St. Louis)
http://www.genirevolution.org/ (Online game simulation) Mission 3-Investing in Human Capital: Education—Students
help Matt decide to continue formal education after he graduates from high school (Council for Economic Education)
http://www.ag.ndsu.edu/money/financial-literacy/financial-management-education/financialed/S2_LifestyleVersus
SalaryRealityCheck.pdf Lifestyle versus Salary Reality Check—Lesson uses web searches to assess desired lifestyles
versus their projected income from their desired careers and location to live. (B. Loney-North Dakota State University)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
1
Financial Education for College Access & Success
CURRICULUM GUIDE
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Education impacts earnings
Postsecondary institutions
Compare plans of study/majors/tuition and costs
Pay attention to accreditation/credit transfer/job placement
Financial assistance 101
How to minimize or avoid student loan debt
FAFSA Worksheet/FAFSA Completion
#1 investment is YOU (courses, grades, standardized tests)
Stay the course/Satisfactory Academic Progress (SAP)
ADDITIONAL RESOURCES:
http://www.shsu.edu/~ccp_www/majors/default.html (Printable) What can I do with this major?—Interactive site
provides information on careers, employers, and strategies for different majors. (Sam Houston State University)
http://career-advice.monster.com/salary-benefits/salary-information/best-paid-jobs-by-major/article.aspx (Printable)
Best Paid Jobs by Major (Monster.com)
http://www.petersons.com/college-search/choosing-college-programs.aspx (Printable) Choosing College Programs
That Suit You—Article discusses things to consider when choosing a program or school. (Peterson’s College Search)
http://www.mainstreet.com/slideshow/smart-spending/budgeting/10-money-lessons-college-wont-teach-you (Online
opinion) 10 Money Lessons College Won't Teach You—College and money management tips (mainstreet.com)
http://www.nytimes.com/roomfordebate/2012/05/12/easing-the-pain-of-student-loans/ (Printable) Easing the Pain of
Student Loans—Students can debate and discuss various expert opinions about: What can be done to control the level
of student debt and protect young people from taking a high student loan burden? (The New York Times)
http://usatodayeducate.com/wordpress/wp-content/files/GAFRI_Fall_10_lesson_4.pdf (Printable) Freshmen have
making money on their minds—Lesson plan on college savings based on article reporting that a record 78.1% of
college freshmen listed “being well-off financially” as an important goal. (USA Today Education)
http://ce.collegeboard.org/about-ce/ (Online & printable) Learn More about CollegeEd—Webpage offers three free
sample lessons from College Board’s college planning and career exploration program for students. (College Board)
www.stlouisfed.org/education_resources/assets/lesson_plans/09ITV_CollegeQuestions.pdf To Get the Right Answers
about College: Ask the Right Questions—Lesson Plan and activities simulating college costs, student aid, and the
FAFSA. (Federal Reserve Bank of St. Louis, 2009)
http://www.k12.wa.us/SecondaryEducation/CareerCollegeReadiness/SparkingFuture.aspx Sparking the FutureCollege Prep Curriculum (State of Washington)
http://collegeplanningprogram.files.wordpress.com/2011/03/college-planning-curriculum-from-cuny.pdf (Printable
and interactive) College Planning Curriculum—Comprehensive college planning and exploration lessons and activities.
(City University of New York)
http://www.ecmcfoundation.org/overview/foundationTrainingOverview.html (Printable) Believing the College Dream,
Realizing the College Dream, and PERSIST--Comprehensive college planning curriculum. (ECMC Foundation)
http://www.fsa4counselors.ed.gov/PORTALSWebApp/cotw/main.jsp (Reference) Federal Student Aid Information for
Counselors—Online site for federal student aid information; includes mentor handbook. (U.S. Dept. of Education)
http://www.finaid.org/calculators/loanpayments.phtml Important tool--shows students high price of student loans!
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
2
Financial Education for College Access & Success
CURRICULUM GUIDE
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Paycheck/deductions/gross vs. net
Employee benefits
Work-life balance
Inflation’s impact on income/Federal Reserve
Taxes & IRS
LESSON PLANS:
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) It’s Your Paycheck--Lesson 2: "W" Is for Wages, W4 and
W2— Students compute gross pay for John Dough from hourly wage and hours worked, compare gross pay to net pay,
learn about FICA and federal income taxes and a W-4 form and W-2. (Federal Reserve Bank of St. Louis)
http://www.challenge.treas.gov/educator_toolkit/documents/Family_Economics_and_Financial_Education/Understan
ding_Your_Paycheck_Lesson_Plan_1.13.1.pdf (Printable) 1.13.1 Understanding Your Paycheck--Student will
understand the components of a paycheck. (FEFE)
http://www.metrojoe.org/Metrojoe_Interactive_Guide/Chapter_3/Chapter3_LessonPlans/Chapter3_LessonPlan2.pdf
(Printable) Lesson Plan 2: What ate my paycheck? (metrojoe.org)
http://hsfpp.nefe.org/loadFile.cfm?contentid=362 (Printable) Compare Employee Benefits (NEFE)
http://www.finaid.org/otheraid/employertuitionassistance.phtml (Printable) Employer tuition assistance--Article
explains employer-sponsored programs to help employees and their dependents pay for college.
http://usatodayeducate.com/wordpress/wp-content/files/20081011_GAFRI_Fall__08_2.pdf (Printable) 7 ways for
Gen Xers to help secure their retirement—Lesson on retirement, 401k, and company match (USA Today Education)
http://www.volstate.edu/TutorialModules/Balance.php (Printable) Work, School & Life Balance—Tutorial to help
students achieve and enjoy work, life, and school; includes PPts--http://www.volstate.edu/TutorialModules/ (Volunteer
State Community College)
http://www.econedlink.org/lessons/index.php?lid=615&type=educator (Printable) What causes inflation? --Students
examine causes and theories of inflation as well as how it affects different groups in the economy such as savers,
lender, and people living on fixed incomes. (Econedlink.org)
http://www.ja.org/files/supplements/JA_Hire_Yourself.pdf (Printable/interactive) Hire Yourself--Students learn about
strategically selecting work in recession-proof industries to succeed in challenging financial times. (Junior Achievement)
http://www.irs.gov/app/understandingTaxes/student/hows.jsp and http://www.irs.gov/app/understandingTaxes/student/whys.jsp.
(Online) The Hows and Whys of Taxes—Complete lessons on understanding taxes. (IRS)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
3
Financial Education for College Access & Success
CURRICULUM GUIDE
2. (Federal Core Competency: Spending)
MONITOR YOUR WEALTH
Students will understand that they are personally responsible for their money…period.
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Financial goal-setting (long-term/short-term)
Prioritize spending/comparison shop
Live within your means
Track and budget spending
Pay yourself first (PYF)
Start/maintain Emergency Fund
Financial institutions/FDIC/NCUA/Dept. of Treasury
Reconciling bank accounts
Depository accounts/fees
LESSON PLANS:
http://hsfpp.nefe.org/loadFile.cfm?contentid=319 (Printable) Unit 1: Your Financial Plan: Where It All Begins—Learn
the importance of having a plan for your money, creating SMART goals, how to get and spend money, use a decisionmaking process to create a financial plan, and Identify guidelines to implement and monitor your financial plan. (NEFE)
http://www.challenge.treas.gov/educator_toolkit/documents/Council_for_Economic_Education/Financing_Your_Futur
e_5.2.pdf (Printable) Lesson 5.2: How to Create a Financial Plan--A key to building wealth is setting goals and
developing a budget and plans to achieve those goals. (Council for Economic Education)
http://www.nysemoneysense.com/course/financial-education-course/spend/within-your-means (Printable) Within
Your Means--Students will understand the importance of spending less than they earn so they can “pay themselves
first”. (New York Stock Exchange-Money Sense)
http://www.challenge.treas.gov/educator_toolkit/documents/National_Endowment_for_Financial_Education/Unit_2_
Budgeting.pdf (Printable) Unit 2: Budgeting: Making the Most of Your Money—Keep a spending log, explore how
values guide their spending decisions, identify sources of income and types of expenses, address the "pay yourself first"
strategy, and explore strategies to stick to a spending plan. (NEFE)
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) It’s Your Paycheck--Lesson 4: Your Budget Plan--Play
"Beat the Financial Expert!", a game that illustrates positive and negative spending behaviors, and analyze the results,
identify effective and ineffective budgeting behaviors and create a budget from a transaction history. (Federal Reserve
Bank of St. Louis)
http://www.challenge.treas.gov/educator_toolkit/documents/Junior_Achievement/HS3_BudgetYourMoney.pdf
(Printable) Budget Your Money--Introduces the students to budgeting and provides exercise in which they must adjust
a budget for unexpected expenses and still keep the budget balanced. (Junior Achievement)
http://www.genirevolution.org/ (Online game simulation) Mission 4: Budgeting --Help the O’Neils save $300 a month
for a down payment on a home; game teaches basics of personal finance and investments; set financial goals, develop
a family budget, reduce spending, and put the money they save out of sight. (Council for Economic Education)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
4
Financial Education for College Access & Success
CURRICULUM GUIDE
http://www.cusucceed.net/resources/budget.php (Printable and interactive) CU Succeed: Teens Financial Network—
Articles, tips, and glossary includes information on buying a car and preparing for college, plus an interactive monthly
budget spreadsheet and calculators. (cusucceed.net)
http://www.moneyinstructor.com/budgeting.asp (Printable) Budget Planning and Budgeting Lessons--worksheets and
lessons teach basic personal finance concepts and fundamental money skills. (moneyInstructor.com)
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) It’s Your Paycheck--Lesson 3: Cash the Check and Track
the Dough--Learn about checking accounts, savings accounts and check cashing services. Learn the components of a
check, and organize and enter information into an account register, determine the balance, and why maintaining
account records are important. They balance a monthly account statement. (Federal Reserve Bank of St. Louis)
http://www.challenge.treas.gov/educator_toolkit/documents/Council_for_Economic_Education/Financial_Fitness_for
_Life_Lesson_21.pdf (Printable) Lesson 21: Banking Basics--This lesson provides an overview of four types of financial
institutions and services. (Council for Economic Education)
http://fefe.arizona.edu/lessonplans/depository-institutions-essential (Printable) 7.7.2 Depository Institutions
Essential—Learn the benefits of using a depository institution and explore the services and features offered by
depository institutions. (FEFE)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
5
Financial Education for College Access & Success
CURRICULUM GUIDE
3. (Federal Core Competency: Saving and Investing)
COMPOUND YOUR WEALTH
Students will understand how to use existing financial tools to allow their money to work for them.
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Why save (Short-term/Long-term goals)
Start saving early
Education (529) saving
Saving is reason to Pay Yourself First/PYF
Start with Emergency Fund account
Diversification/risk/return/liquidity
Asset appreciation/depreciation
Interest rate/Yield/ APY/APR
Compound Interest
Time Value of Money
Rule of 72
Deposit savings options
Asset-building investment Tools
Regulatory Agencies/Insider Trading/SEC
LESSON PLANS:
http://moneysmart.drc.com/login/contents_YA.php# (Online/Interactive) Pay Yourself First-- Computer-based lesson
on “Why you should save, save, save”. (FDIC: Money Smart)
http://wvde.state.wv.us/counselors/links/advisors/documents/11.29.4-BUDGETING-Student-Guide-2.pdf (Printable)
Pay Yourself First: Student Guide-- Designed for use with instructor-led lesson ordered on CD. (FDIC: Money Smart)
http://wvde.state.wv.us/counselors/links/advisors/documents/11.29.4-Savings-Instructors-Guide-2.pdf (Printable)
Pay Yourself First: Instructor Guide--Designed for use with instructor-led lesson ordered on CD. (FDIC: Money Smart)
http://www.challenge.treas.gov/educator_toolkit/documents/Council_for_Economic_Education/Learning_Earning_Inv
esting_Lesson_1.pdf (Printable) Lesson 1: Why Save?--Discuss the idea of “paying yourself first” and the reasons why
people save and the concepts of simple interest and compound interest, and the Rule of 72. (National Council for
Economic Education)
http://www.challenge.treas.gov/educator_toolkit/documents/Council_for_Economic_Education/Learning_Earning_Inv
esting_Lesson_12.pdf (Printable) Lesson 12 Building Wealth Over the Long Term-- The students are introduced to the
case of Charlayne, a millionaire, as explained by three rules for building wealth over the long term: saving early, buying
and holding, and diversifying; addresses the risks and rewards associated with different forms of saving and investing.
(National Council for Economic Education)
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) It’s Your Paycheck--Lesson 5: Savvy Savers--Students
calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the "rule of 72" and
apply it to both investments and debt. They learn that there is a relationship between the level of risk for an
investment and the potential reward or return on that investment. (Federal Reserve Bank of St. Louis)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
6
Financial Education for College Access & Success
CURRICULUM GUIDE
http://www.daveramsey.com/school/foundations-samples/ (Printable) CH 1 Savings—Students learn about saving
money in free sample lesson from “Foundations in Personal Finance” curriculum. (Dave Ramsey.com)
https://bts.stlouisfed.org/econ_ed/online_learning/ (Online) Time Value of Money-- Students learn about opportunity
cost, interest and inflation to determine the future value of investments. (Federal Reserve Bank of St. Louis)
http://www.genirevolution.org/game/ (Online game simulation) Mission 1: Building Wealth over the Long Term-Students must convince Angela to invest in a 401(k) plan now to build wealth. (Council for Economic Education)
http://www.sec.gov/investor/students/tips.htm (Printable) Tips for Teaching Students About Saving and Investing—
Guide to help introduce students to the basics of saving and investing and help understand the importance of planning
for their financial future; includes resources and interactive tools. (Securities & Exchange Commission)
http://www.investorprotection.org/downloads/pdf/learn/basics/IPT_Basics_National_2010.pdf (Printable and
interactive) The Basics of Saving and Investing—Lesson plans, activities, worksheets, and tests to teach students how
to make informed decision about saving and investing their money. (Investor Protection Trust)
http://www.pbs.org/teachers/access-analyze-act-economy/curriculum/assets/asset-management (Online) Asset
Management--Students learn about different types of assets and how to acquire them, the concepts of appreciation and
depreciation, and the importance of diversification. (PBS Teachers)
http://learning.blogs.nytimes.com/2003/06/05/who-knew-what-when/ (Printable) Who Knew What When?-- Students
learn about the stock market, fair trading, charges brought against Martha Stewart, and the Securities and Exchange
Commission. (The New York Times Learning Network)
http://www.practicalmoneyskills.com/personalfinance/lifeevents/college/529.php (Printable) 529 College Savings
Plans--College education is so important that the government helps folks save for it by letting them invest in a 529
education savings plan free of federal income tax. (Practical Money Skills for Life)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
7
Financial Education for College Access & Success
CURRICULUM GUIDE
4. (Federal Core Competency: Borrowing)
OBLIGATE YOUR WEALTH
Students will be able to avoid the high costs of borrowing by understanding how to use credit effectively.
 Cost/consequences of borrowing & credit
 Bankruptcy/foreclosure/repossession/garnishment/higher
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premiums/employment issues
Avoid/manage debt
Postpone purchases (save up)
Emergency Fund (again)
How consumer credit works (shop for best rates/terms)
Credit reporting agencies
Credit score/worthiness
Types of loans (mortgage, installment, education etc.)
Pros/cons consumer credit options (credit cards, layaway, pawn etc.)
Lease or rent vs. own
How consumer debt impacts economy
LESSON PLANS:
http://www.challenge.treas.gov/educator_toolkit/documents/Junior_Achievement/HS2_CompareInterestRates.pdf
(Printable) Compare Interest Rates--Students learn to compare interest rates and analyze the cost of borrowing.
(Junior Achievement)
https://bts.stlouisfed.org/econ_ed/online_learning/ Card, Cars, and Currency--Lesson 4: The Car Deal Package-Students evaluate the price of consumer credit; identify the factors that affect the total price of a car including the
interest rate, length of loan, and the down payment. (Federal Reserve Bank of St. Louis)
http://www.genirevolution.org/game/ (Online game simulation) Mission 5-Credit—Students must teach Justin that
credit can be his friend or his enemy, depending on how he chooses to use it and involves calculating interest payments
and the cost of credit. (Council for Economic Education)
http://fefe.arizona.edu/search-free-lessons/%20/%20/%20/4.0%20Credit (Printable) Links to all ten FEFE Lesson Plans
on Credit. (Family Economics and Financial Education)
http://www.pbs.org/wgbh/pages/frontline/teach/meltdown/addl1.html (Printable) Inside the Meltdown: Credit
Cards & Borrowing--Students learn how credit cards work and to responsibly make them a part of their cash
management plan. (PBS Frontline)
http://www.pbs.org/wgbh/pages/frontline/teach/meltdown/ (Printable) Inside the Meltdown: Individual Borrowing,
Mortgages and the Role of Consumers—Students learn about credit scores, home loans, and the subprime lending
crisis. (PBS Frontline)
http://www.themint.org/teachers/buy-now-and-pay-later.html (Online and Printable) Credit: Buy Now & Pay More
Later—Students learn that credit must be paid back over time, usually with interest. (themint.org)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
8
Financial Education for College Access & Success
CURRICULUM GUIDE
http://charactercounts.org/lesson-plans/character-education-lesson.php?id=47 (Printable) Go Figure: Your Credit Is
Built on Trust—Students learn that credit is based on trust and that they should honor their debts and protect their
financial reputations; includes lesson on calculating Average Daily Balance. (Josephson Institute Center for Youth Ethics)
http://hsfpp.nefe.org/students/channels.cfm?chid=57&tid=6&deptid=15 (Printable) Unit 4 Good Debt: Bad Debt:
Using Credit Wisely—Students learn the pros and cons of credit and how to use it wisely. (NEFE)
http://www.ja.org/student/aspx/LearnEthics/07-08-activities/HighSchool7.pdf (Printable) Excellence through Ethics:
Session 7-Debt Management and Mismanagement--Students learn the consequences of mismanaging personal debt
and debt management; includes lesson on bankruptcy and avoiding over-extension. (Junior Achievement)
http://www.econedlink.org/lessons/index.php?lid=847&type=educator (Printable) The Credit Card Mystery—Students
will learn the costs and benefits of credit cards and credit card fees. (EconEdlink)
http://usatodayeducate.com/wordpress/wp-content/files/gafri-fall-10-lesson1.pdf (Printable) Before you jump on a
credit card offer, get a pair of reading glasses—Students will learn about fees and the fine print of credit card offers.
(USA Today Education)
https://practicalmoneyskills.com/foreducators/lesson_plans/highschool.php (Printable) Lesson 6: Keeping Score: Why
Credit Matters---Students will understand credit reports and scores to make smart money decisions. (Practical Money
Skill for Life)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
9
Financial Education for College Access & Success
CURRICULUM GUIDE
5. (Federal Core Competency: Protecting)
PROTECT YOUR WEALTH
Students will be able to make informed decisions that can protect your wealth from major loss and to
recognize and avoid financial practices that are questionable.
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Identity theft & scams
Personal vigilance & responsibility
Consumer protection threats/info/laws
Recognize questionable practices/offers/ advice/ads
Predatory lending (title loans, payday loans, subprime loans, etc.)
Emergency Fund (again)
Understand personal insurance products
Seek help from reputable professionals/advisors/counselors
LESSON PLANS:
http://www.challenge.treas.gov/educator_toolkit/documents/Council_for_Economic_Education/Financial_Fitness_for
_Life_Lesson_22.pdf (Printable) LESSON 22 Managing Risk: The Good News About Insurance—Students will learn
how insurance works and the different types of insurance. (Council for Economic Education)
http://www.challenge.treas.gov/educator_toolkit/documents/National_Endowment_for_Financial_Education/Unit_6_
Insurance.pdf (Printable) Unit 6 Insurance: Protecting What You Have—Students learn features and processes of
insurance and managing risk. (NEFE)
http://www.challenge.treas.gov/educator_toolkit/documents/Family_Economics_and_Financial_Education/types_of_i
nsurance_1.10.1a.pdf (Printable) Types of Insurance—Students will learn about insurance & risk management. (FEFE)
https://practicalmoneyskills.com/foreducators/lesson_plans/highschool.php (Printable) Lesson 17 Smooth Sailing:
Exploring Insurance and Estate Planning---Students will explore the idea of risk; assess risk in a given situation, and
how to protect themselves and their families. (Practical Money Skill for Life)
http://www.ehow.com/how_4546689_teach-health-insurance-kids.html (Classroom activity/simulation) How to teach
health insurance to students. (ehow.com)
http://www.griffithfoundation.org/auto-insurance/auto-insurance-30-minutes/ (Printable) Auto Insurance-30
minutes--Short lesson on fundamentals of automobile insurance, how insurance companies classify risk, what
determines premium amounts, and how to reduce risks. (The Griffith Insurance Education Foundation)
http://www.dallasfed.org/assets/documents/cd/wealth/wealth.pdf (Printable) #5 Protect Your Wealth and
http://financeintheclassroom.org/downloads/BuildingWealthWorksheet.pdf Protect Your Wealth Worksheet
http://insurance.mo.gov/Contribute%20Documents/RenterIns.LessonPlan.pdf (Printable) Renter Insurance—Lesson
plan with handouts and worksheets on basics of renters insurance. (Missouri Department of Insurance)
http://www.state.nj.us/education/njpep/classroom/activities_NJteachers/career/financial_literacy/lending_ripoff/inde
x.html (Printable) Reality Check: Lending Ripoffs—Students will learn how to recognize and avoid being exploited by
predatory lenders. (New Jersey Dept. of Education)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
10
Financial Education for College Access & Success
CURRICULUM GUIDE
http://www.uen.org/Lessonplan/preview.cgi?LPid=28967 (Printable) Financial Scams and Schemes--Students will
understand ways to avoid financial scams and schemes designed to defraud consumers. (Utah Education Network)
http://www.moneyisok.org/Standards/Standard_09.html (Printable) Standard 9: Fraud and Identity Theft—
Comprehensive lesson plan with great resource links to help students learn to identify consumer fraud and theft.
(Oklahoma Council on Economic Education)
http://www.youtube.com/watch?v=a8BYVLc8Ev4 (Video) Quest for Credit—Entertaining and educational animated
lesson about perils of credit and minimum payments. (Mint.com)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
11
Financial Education for College Access & Success
CURRICULUM GUIDE
6. College Access Outreach Project
(Financial citizenship, leadership, teamwork)
Students will implement a student-led outreach activity or project that will effectively educate and
enhance awareness and understanding about College Access & Success.
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
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Financial Education for College Access & Success
CURRICULUM GUIDE
7. Other Resources
Missouri’s Personal Finance Curriculum (includes lesson plans, pacing guide, and all core standards
crosswalked): http://www.missouricareereducation.org/doc/persfin/about.pdf
Jump$tart Personal Finance Standards: http://www.jumpstart.org/assets/files/standard_book-ALL.pdf The
National Standards in K–12 Personal Finance Education, created and maintained by the Jump$tart Coalition® for
Personal Financial Literacy; the personal finance knowledge and skills that K–12 students should possess.
Additional lessons and supplemental instruction:
http://learning.blogs.nytimes.com/2005/05/25/college-or-bust/ College or Bust—Lesson plan about the levels of
education needed for specific jobs. They then participate in a fishbowl discussion about access to education for
students at different income levels and interview an adult for an article about career preparation. (New York Times
Learning Network)
http://www.pbs.org/wgbh/pages/frontline/teach/collegeinc/ College Inc.--Lesson for students to learn about the
aggressive marketing of for-profit colleges, concerns about their enrollment practices, and how the debt load for
students at for-profit schools is often more than twice that of those at traditional schools.
http://www.theabcsofcredit.com/#/Home-01-00/ ABC’s of Credit Cards--Students will learn tons of lessons and facts
about credit cards.
http://www.dallasfed.org/educate/pfe.cfm Building Wealth-- Personal finance lesson plans that can be used
individually or in the classroom to help young people develop a plan for building personal wealth. (Federal Reserve
Bank of Dallas)
http://njaes.rutgers.edu/hsfpp/financer.pdf (Printable) Money…What Young Adults Need to Know—Informative
booklet condenses most Personal Finance concepts into one tool to arm students with knowledge, activities, and
resources to manage their finances. (JPMorganChase)
http://www.moneyskill.org/ moneySKILL--Online reality-based personal finance curriculum that teaches a basic
understanding of money management fundamentals. (AFSA Education Foundation)
http://www.mymoney.gov/ MyMoney.gov--U.S. government website with articles, tips, and information on basics of
financial education--buy a home, balance your checkbook, or invest in your 401k. Includes important information from
20 federal agencies. (U.S. Financial Literacy and Education Commission)
http://www.treasurydirect.gov/indiv/tools/tools_moneymath.htm Money Math--Curriculum supplement teaching
math concepts using real-life examples from personal finance; includes teacher's guide with lesson plans, reproducible
activity pages, and teaching tips. (U.S. Dept. of Treasury)
http://www.goventure.net/PFCheatsheet.aspx Personal Finance Cheat Sheet—Two-page printable resource with most
basic Personal Finance concepts, vocabulary, and definitions. (GoVenture.net)
http://www.bankrate.com/debt-management.aspx Bankrate.com—Up-to-date information, rates, and advice on just
about every major financial decision--from purchasing a home or car to saving for retirement. (bankrate.com)
http://www.ja.org/files/be_entrepreneurial/Supplemental-Sessions/JABE-Supplement-A.pdf Entrepreneurship—Is it
for Me?--Includes lesson on entrepreneurship plus printable handouts on all career clusters. (Junior Achievement)
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
13
Financial Education for College Access & Success
CURRICULUM GUIDE
http://www.edutopia.org/grade-level-9-12 Edutopia--Website supports teachers as they attempt to provide a 21
Century education for their students. (George Lucas Educational Foundation)
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Selected educational videos:
http://www.investopedia.com/video/play/5-Easy-Ways-To-Improve-Your-Credit#axzz1vuXGkUas
http://www.investopedia.com/video/play/what-is-a-credit-score#axzz1vuXGkUas
http://www.investopedia.com/video/play/steps-to-building-a-budget#axzz1vuXGkUas
http://www.msnbc.msn.com/id/3660557/ Car sales: Tricks of the trade--Dateline NBC hidden camera investigation
reveals deception at some dealerships.
Games and online tools:
http://stayingahead.org/ Target Income Calculator—Great interactive budget tool teaches students to think
“backwards” to arrive at an adequate salary (and career choice). Students enter their potential budget and expenses to
calculate a target income.
http://www.teachbanzai.com/ Banzai--Interactive, online financial literacy (budgeting and spending) tool; includes
printed materials.
http://consumerjungle.org/ Consumer Jungle--Cool games and fun activities that will make students aware of
potential fraudulent schemes and dangerous opportunities and help them navigate their way to becoming a smarter
consumer. (University of Arizona)
http://www.smgww.org/ The Stock Market Game--A simulation to help students learn about economics, finance, and
the American economic system. There is a fee to participate. (Foundation for Investor Education)
http://www.practicalmoneyskills.com/games/trainingcamp/ Financial Football—Game teaches financial concepts and
money management skills in a fast-paced, interactive game.
http://www.jumpstart.org/reality-check.html Jump$tart Reality Check—simple simulation to illustrate the cost of a
(Jump$tart Coalition)
http://www.bankingonourfuture.org/ Banking on Our Future—Online simulation teaches the language of money and
to become empowered to take control of your financial future. (Operation HOPE)
https://www.moneyisland.com/ Money Island—Online game simulation teaches spending, saving, and sharing
concepts with the story of Stone Broke. (moneyisland.com)
https://www.mint.com/t/011-c/ Mint is a free, easy-to-use, highly recommended and award-winning personal
financial accounting application for use on a laptop or other personal device. Gathers all financial personal information
into one place; budget, track your goals and do more with your money. Students can view the promotional video:
http://www.youtube.com/watch?v=rK6WLHNYjwM
The contents of this document were developed under a grant from the Department of Education. However, those contents do not necessarily represent the policy of the
Department of Education, and you should not assume endorsement by the Federal Government.
14