Maryland

What the state requires

NO graduation credit requirement - INSTRUCTIONAL MANDATE ONLY. COMAR 13A.04.06.01 requires each local school system to provide an instructional program in personal financial literacy in the elementary, middle AND high school learning years, but COMAR 13A.03.02.03 lists NO financial literacy credit among the 22 required diploma credits. Individual counties (Allegany, Baltimore County, Anne Arundel, Charles) impose their own standalone course requirements as LOCAL BOARD POLICY.

See the requirement summary.

The detail, every line cited

How it may be delivered

LOCALLY DETERMINED. Per MSDE's 2025-2026 report, of 24 LEAs roughly 9 require a standalone financial literacy course (typically 0.5-1.0 local credit) and the remainder embed instruction in required courses (social studies/government, math, health, CTE). MSDE guidance describes 'a locally designed high school program of financial literacy... approved at the state level Superintendent of Schools.'marylandpublicschools.org

Full citation

Maryland — delivery model: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

Below high school

YES - the instructional mandate spans ALL levels. COMAR 13A.04.06.01: 'Each local school system shall provide in public schools an instructional program in personal financial literacy in the elementary, middle, and high school learning years.' The standards set grade-band checkpoints at END OF GRADE 5, END OF GRADE 8, and END OF GRADE 12.regs.maryland.gov

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Maryland — below-high-school requirement: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

State-mandated assessment

NONE statewide. Assessment is locally determined (locally developed tests, EverFi pre/post-tests, Junior Achievement, Take Charge Today). The only state accountability mechanism is COMAR 13A.04.06.02, requiring each local superintendent to CERTIFY PROGRAM COMPLIANCE to the State Superintendent EVERY 5 YEARS.regs.maryland.gov

Full citation

Maryland — state assessment: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

Standards framework

The Maryland State Standards for Personal Financial Literacy Education (2022 version (document carries copyright 2010/2016/2022 MSDE). Standards were adopted into COMAR in 2010, effective September 2011.)marylandpublicschools.org

Full citation

Maryland — standards framework: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

State agency contact

Richard Kincaid, Assistant State Superintendent, Division of College and Career Pathways, Maryland State Department of Education. No direct email or phone published.marylandpublicschools.org

Full citation

Maryland — agency contact: primary source(s) named in the field text and at the linked URL; read and verified 2026-08-09

Not yet verified · 5

We publish only what we can cite to a primary source. These fields are still being verified for Maryland, and they are listed rather than filled in with something plausible.

• Credit value
• Instructional-hour rule
• Who may teach it
• State course codes
• Funding a district may cite

Facts on this page last verified 2026-08-09; every pack is re-verified on a six-month cadence, and anything we cannot cite is marked rather than guessed.

The district awards the credit — no platform can. Ours is designed to align with the state’s learning standards, and it produces the documentation a district needs to award credit: the course object with its federal course code, a pass determination that shows its arithmetic, an hour ledger that counts only observed instructional minutes, and a verified record of demonstrated mastery for every student.

See the platformThe one-page brief for Maryland