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 use in existing courses or workshop settings where teens interact with an instructor.

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.

When your money "expert" friend isn't an expert


Riding home on the light rail in downtown Denver I over heard a young man giving bad financial advice to his friends. Instead of relying on a financial expert, or even a trusted website, when a financial decision needed to be made, this young man's friends turned to the person they considered an "expert" in their circle of friends. As the one deemed most knowledgeable by his peer group, this young man has been spreading what he knows, what he doesn’t know, and what he thinks he knows far and wide in his social group. Financial education needs to include teaching students how to identify reliable, trustworthy, unbiased resources that provide the information they need to make solid financial decisions as they move through different life stages.

Exploring the Financial Lives of Millennials


In addition to providing curriculum for educators and resources for consumers, the National Endowment for Financial Education® (NEFE®) also provides research funding for exploratory projects on personal finance and financial behaviors. NEFE-funded research includes several projects in recent years focusing on the financial lives of Millennials. The research provides educators with a glimpse into this complex generation, as well as offering recommendations and next steps for the financial capability field to serve these young Americans who are poised to play a pivotal role in our country’s social and economic development.

Ordering is Free and Easy: Let NEFE Cover Your Curriculum Costs


All HSFPP curriculum components can be downloaded online, but did you know that you also can order printed materials and have them shipped directly to your school or organization for FREE? NEFE covers all of the costs to print, ship and deliver your materials!  It's easy to place an order and you can schedule when you would like your materials delivered. We will schedule delivery for spring, summer or fall classes as requested. Learn more about the printed materials available. 

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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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