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.

myRA Offers a Simple, Safe, Affordable Way to Saving for Retirement


It’s important for teens and young adults to understand that not all full-time jobs include a retirement benefit. According to a 2013 College Board Report, 52 percent of high school graduates working full time year-round were offered retirement plans by their employers, compared to 65 percent for individuals whose highest education level was a bachelor’s degree, and 73 percent for employees with an advanced degree. The numbers drop even farther for part-time employment. A 2015 BLS Economic Release found that 62 percent don't have access to a retirement plan at work.

UPDATED: 40 Money Management Tips Every College Student Should Know


The financial decisions young adults make during college might involve a few bucks or thousands of dollars. They're taking their first steps toward financial independence and it's not always easy to know what the best choices are. To help young people learn how to take control of their money instead of letting their money take control of them NEFE has updated 40 Money Management Tips Every College Student Should Know.

Changing Gang Discussions to Stock Market Talk: #FinEdTech Engagement


Being a teacher in the Department of Youth Services for the last five years has been rewarding and challenging, but the rewards are so much greater when you see students who have experienced nothing but failure in the classroom enjoy learning again. I use the Internet and to set each student up with a simulated real-time stock account. I have watched the gang discussions in class change to stock market talk, and each morning, the students are eager to log on and check their portfolios. This is why I teach. Jason Richmond Springfield, MA

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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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