Oregon
9th-12th Grades
State Standards
High School Personal Financial Education Standards
HS.PFE.ACredit and Debt
HS.PFE.A.1Understand components used to build credit and investigate actions that could impact personal credit scores.
HS.PFE.A.2Compare and contrast various types of consumer credit and the costs and benefits of borrowing money.
HS.PFE.A.3Analyze the long-term impacts of high and low credit scores.
HS.PFE.BBanking, Investing, Saving and Repayment
HS.PFE.B.1Describe the roles of various types of financial institutions, and explore products and services provided by these institutions.
HS.PFE.B.2Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy.
HS.PFE.B.3Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations.
HS.PFE.CBudgeting, Spending and Money Management
HS.PFE.C.1Describe budgeting strategies for savings goals, emergency funds, fixed expenses and variable expenses.
HS.PFE.C.2Identify and examine the costs and benefits of financial decisions.
HS.PFE.C.3Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes.
HS.PFE.DPersonal Income, Taxes and Services
HS.PFE.D.1Define and identify examples of common types of income.
HS.PFE.D.2Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options.
HS.PFE.D.3Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability.
HS.PFE.D.4Understand common types of federal, state, regional, and local taxes and associated tax-funded services provided.
HS.PFE.EMaintaining Financial Well-being
HS.PFE.E.1Analyze the psychology of money through cultural, social, and emotional influences on financial behavior.
HS.PFE.E.2Analyze and apply multiple sources of information when making consumer decisions.
HS.PFE.E.3Understand and apply strategies to prevent fraud and personal identity theft.