Personal Finance Education

NEFE's High School Financial Planning Program® (HSFPP) is a free turnkey financial literacy program specifically focused on basic personal finance skills that are relevant to the lives of teens in Grades 8-12.

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Program Components


HSFPP offers a full suite of FREE instructional resources to teach teens in an instructor led classroom or workshop setting. 

Register or log in to immediately download the curriculum or place an order for printed materials. The components for this program include:

  • Six student guide booklets
  • Teacher lesson plans and PowerPoint presentations
  • Activities, handouts and performance-based assessments
  • Online student practice quizzes, polls and more
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Funding Behind the Free


Since 1984 the National Endowment for Financial Education® (NEFE®) has proudly provided 100 percent of the funding for the High School Financial Planning Program® (HSFPP), a high quality, noncommercial, and unbiased personal finance curriculum.

NEFE is independently funded by its own endowment, which was established with the proceeds from the sale of the College for Financial Planning and related transactions in 1997. Additional growth is realized only through investment of the endowment's assets. 

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Introduction Video

The High School Financial Planning Program comes complete with a fully developed, award winning curriculum that has been lab tested.

Financial Stacking: A Modern American Burden


In this era of information overload, consumers need to develop their own mechanisms to analyze and prioritize their financial choices in order to set realistic financial goals.

3 Things Teens Should Know About Debit Cards


As many teachers have experienced, a lesson can get waylaid by questions and comments from students. During a recent workshop while talking to a group of preteens and teens, it became apparent that they misunderstood how debit cards work. I just had to pause during our time together for an impromptu conversation about the responsibilities of using a debit card and the undesirable consequences of misusing or losing the card.

Engage Students in a Fun Spending Conversation … Really


Before students can make mindful money management decisions they need to understand the impact of their daily spending habits. Sound like a fun conversation to have with your students? If you answered no, then you haven't met Spendster.

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Upcoming Maintenance

Upcoming Maintenance 

Between 7:00am and noon EDT this Wednesday (6/3) we will be doing maintenance on our site. Thank you for your patience while we make these updates.

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