learnfinancewithNew York
All public schools must provide personal finance instruction to all students K–12 (8 NYCRR 100.2(c)(13), eff. March 25, 2026) — an INSTRUCTIONAL requirement, not a credit or diploma requirement (NYSED FAQ Q10 verbatim). The diploma still requires only 0.5 unit Economics + 0.5 Participation in Government within social studies.
All public school students K–12. Grade 9 entrants in 2026–27 are the first cohort owed full high-school-band instruction by end of grade 12; NYSED labels no graduating class.
- How it may be delivered
- EITHER — district choice among three NYSED options, usable singly or together: (1) EMBEDDED into required courses (science, math, social studies, etc.); (2) a STANDALONE course within a grade band; (3) CTE programming — at high school an approved CTE program including 0.5 unit Career and Financial Management satisfies it, at middle level the Financial and Consumer Literacy Module within the 1.75-unit CTE requirement does.
- Credit value
- Not yet verified to a primary source — we publish only what we can cite.
- Instructional-hour rule
- Not yet verified to a primary source — we publish only what we can cite.
- Below high school
- YES — the mandate is K-12 with band checkpoints: instruction by end of grade 4 (K-4), grade 8 (5-8), and grade 12 (9-12). Middle and high bands activate 2026-27; elementary 2027-28. Schools may but need not teach it in every grade within a band.
- State-mandated assessment
- NONE — no Regents examination in personal finance, financial literacy, or economics. Compliance is DISTRICT VERIFICATION to the Commissioner for 2026-27, 2027-28, and 2028-29 via the SED Monitoring and Vendor Performance System in the NYSED Business Portal.
Source: NYSED Regents examination list; 100.2(c)(13) verification provisions
- Who may teach it
- Certification follows the DELIVERY MODEL, not a dedicated certificate (FAQ Q16): embedded — a teacher certified in the host subject; standalone — a teacher certified for the course's subject matter; CTE — a teacher certified in the approved CTE program area. NYSED directs districts to the SCED-Certification Crosswalk. No new certificate, extension, or micro-credential was created.
- State course codes
- Not yet verified to a primary source — we publish only what we can cite.
- Standards framework
- NYSED Personal Finance Education Learning Objectives (March 2026) — explicitly NOT new standards (FAQ Q9): a matrix of 5 alphabetical topic areas × 3 grade bands (K–4, 5–8, 9–12) with numbered objectives (~13 / ~23 / ~34 per band)
- Funding a district may cite
- Not yet verified to a primary source — we publish only what we can cite.
- State agency contact
- P12StandardsInstruction@nysed.gov — Office of Standards and Instructional Programs (on the FAQ, the March 24, 2026 memo, and the webinar deck). Program lead: Dr. Santosha Oliver, Assistant Commissioner. General P-12: P12Deputy@nysed.gov, (718) 722-2797; NYSED main (518) 474-3852.
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.