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Personal Financial Literacy is designed for students in Grades 7-12. These standards of learning are priority, essential, and necessary for all Oklahoma students. Learning the ideas, concepts, knowledge, and skills will enable students to implement personal financial decision-making skills; to become wise, successful, and knowledgeable consumers, savers, investors, users of credit, money managers, and to be participating members of a global workforce and society.

Real world topics covered by these standards include the following:

  • Earning an income
  • Understanding state and federal taxes
  • Banking and financial services
  • Balancing a checkbook
  • Savings and investing
  • Planning for retirement
  • Understanding loans and borrowing money, including predatory lending and payday loans
  • Understanding interest, credit card debt, and online commerce
  • Identity fraud and theft
  • Rights and responsibilities of renting or buying a home
  • Understanding insurance
  • Understanding the financial impact and consequences of gambling
  • Bankruptcy
  • Charitable giving

Personal Financial Literacy Resources for Teachers