Oregon
9th-12th Grades
State Standards
High School Personal Financial Education Standards
HS.PFE.A: Credit and Debt
HS.PFE.A.1: Understand components used to build credit and investigate actions that could impact personal credit scores.
HS.PFE.A.2: Compare and contrast various types of consumer credit and the costs and benefits of borrowing money.
HS.PFE.A.3: Analyze the long-term impacts of high and low credit scores.
HS.PFE.B: Banking, Investing, Saving and Repayment
HS.PFE.B.1: Describe the roles of various types of financial institutions, and explore products and services provided by these institutions.
HS.PFE.B.2: Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy.
HS.PFE.B.3: Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations.
HS.PFE.C: Budgeting, Spending and Money Management
HS.PFE.C.1: Describe budgeting strategies for savings goals, emergency funds, fixed expenses and variable expenses.
HS.PFE.C.2: Identify and examine the costs and benefits of financial decisions.
HS.PFE.C.3: Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes.
HS.PFE.D: Personal Income, Taxes and Services
HS.PFE.D.1: Define and identify examples of common types of income.
HS.PFE.D.2: Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options.
HS.PFE.D.3: Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability.
HS.PFE.D.4: Understand common types of federal, state, regional, and local taxes and associated tax-funded services provided.
HS.PFE.E: Maintaining Financial Well-being
HS.PFE.E.1: Analyze the psychology of money through cultural, social, and emotional influences on financial behavior.
HS.PFE.E.2: Analyze and apply multiple sources of information when making consumer decisions.
HS.PFE.E.3: Understand and apply strategies to prevent fraud and personal identity theft.