Common Planner
K–12 Standards

Grades 9-12

Credit and DebtHS.PFE.A

  • 1

    Understand components used to build credit and investigate actions that could impact personal credit scores.HS.PFE.A.1

  • 2

    Compare and contrast various types of consumer credit and the costs and benefits of borrowing money.HS.PFE.A.2

  • 3

    Analyze the long-term impacts of high and low credit scores.HS.PFE.A.3

Banking, Investing, Saving and RepaymentHS.PFE.B

  • 1

    Describe the roles of various types of financial institutions, and explore products and services provided by these institutions. HS.PFE.B.1

  • 2

    Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy.HS.PFE.B.2

  • 3

    Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations.HS.PFE.B.3

Budgeting, Spending and Money ManagementHS.PFE.C

  • 1

    Describe budgeting strategies for savings goals, emergency funds, fixed expenses and variable expenses.HS.PFE.C.1

  • 2

    Identify and examine the costs and benefits of financial decisions.HS.PFE.C.2

  • 3

    Apply 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.C.3

Personal Income, Taxes and Services HS.PFE.D

  • 1

    Define and identify examples of common types of income.HS.PFE.D.1

  • 2

    Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options.HS.PFE.D.2

  • 3

    Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability.HS.PFE.D.3

  • 4

    Understand common types of federal, state, regional, and local taxes and associated tax-funded services provided.HS.PFE.D.4

Maintaining Financial Well-beingHS.PFE.E

  • 1

    Analyze the psychology of money through cultural, social, and emotional influences on financial behavior.HS.PFE.E.1

  • 2

    Analyze and apply multiple sources of information when making consumer decisions.HS.PFE.E.2

  • 3

    Understand and apply strategies to prevent fraud and personal identity theft.HS.PFE.E.3

Frequently asked questions

What grade levels do these standards cover?
Grade 9, Grade 10, Grade 11, and Grade 12

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