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.

Create Free Account
Log In

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
Learn More

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. 

Learn More

Introduction Video

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

Training Teacher Pays Off


The capability and confidence of the educator is a key factor for an effective financial education program. Research shows that financial education in schools is most effective when led by teachers properly trained in personal finance itself, not just in pedagogy.

Ongoing NEFE-Funded Research Projects


NEFE encourages better understanding of personal finance by identifying and promoting in-depth exploration of financial issues of concern to the American public. One way that we do this is through providing research funding for exploratory projects on personal finance and financial behaviors. We currently have several projects in progress, including research on young adults and debt.

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.

Go to HSFPP blog >

Go to On Your Own blog >

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.

Go to site

Join our mailing list and receive our monthly newsletter!

What's New at HSFPP