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.

Matching College Funding to Educational Expenses


Students should create a plan for how they will pay for every educational expense. Before they can do that, students need to research any spending restrictions or tax-treatment rules for each of their education funding streams, and the consequences of using those funds to purchase nonqualified expenses. 

4 Activities to Help Seniors Prepare for Their Next Step


Students may experience a significant financial windfall from scholarships or cash graduation presents at graduation time. To help them make mindful money management decisions, it is important to help them think through the coming year after graduation, whether or not they will attend college, so that they understand fully their needs and options.

Wanted: Impact Study Participants


During the 2016/2017 school year, a professional research firm will evaluate the impact and processes involved with using the HSFPP to teach personal finance. The purpose is to analyze how the program is implemented and examine changes in teen behavior, knowledge, and attitudes related to personal finance as a result of participating in the HSFPP. In preparation for the study, NEFE is now seeking instructors who are willing and able to participate in the portion of the study that involves classroom observations and interviews. 

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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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