For New Hampshire Teachers · Standards Alignment
New Hampshire’s Personal Finance Literacy Requirements, Mapped to a Ready-to-Teach Course
New Hampshire requires students to complete a personal finance literacy course to graduate. This page sets out what the law asks for, lists all 20 of the state’s grades 9–12 personal finance literacy content items, and shows for each one whether our 10 classroom-ready units cover it fully, in part, or not at all — with the partial rows naming exactly what is missing.
The Requirement
What New Hampshire actually requires
New Hampshire sets the content and leaves the standards to you. Part Ed 306, Minimum Standards for Public School Approval says, at Ed 306.28(c): “Each district shall establish and provide competencies and curriculum for personal finance literacy” — and then lists what that curriculum must include: five content areas carrying 20 items. There is no state standards document behind it, so those 20 items are the whole of what the state specifies, and they are what this page maps.
⚠ The credit requirement changes for students entering high school this school year. Table 306-1 of the same rules requires “Economics, including personal finance — one-half credit”. Table 306-2, which applies to students entering high school in the 2026-2027 school year, splits that in two: Economics — one-half credit, and Financial literacy — one-half credit, listed separately. So personal finance stops sharing a half credit with economics and gets one of its own — and personal finance literacy is one of the programs every high school must offer either way.
The rules below took effect December 13, 2024, following HB 1671 (2022), which made personal finance a subject in its own right.
Check every detail against New Hampshire’s own sources: the Ed 300 rules as published by the General Court — search the page for “personal finance literacy” rather than for the section number, since Ed 306.28(c) sits inside the business education section — and the Department of Education. Because the competencies are the district’s, confirm your own building’s before you build a syllabus around this.
The Course
10 units, 50 days, written to be taught in order
10 five-day units, 50 class periods of core instruction. How much of a semester that is depends on your building: on an every-other-day block, where a semester is roughly 45 to 50 meetings, the units fill it; on a traditional daily period, where a semester runs nearer 90, they are the spine and the course tests and the gap material below fill the rest. Plan the schedule against your own calendar rather than against this figure.
Every unit ships a free pacing guide, pre-quiz and vocabulary sheet that need no account, so you can read the objectives this crosswalk is built from before deciding anything. The full teacher kit — teacher guide, student packet, quizzes, unit project, final assessment, editable slides and the complete ZIP — comes with Full Membership.
Each card shows how many New Hampshire content items that unit carries, fully or in part. A standard taught by two units is counted on both, so these add to 27 rather than to the 16 standards the course addresses.
The Crosswalk
All 20 content items, and how far the course covers each one
16 of the 20 content items are addressed by a unit — 4 fully and 12 in part. Of the 4 that are not, 4 are served elsewhere on this site and are linked in the table. Standard codes and wording below are reproduced from Ed 306.28(c) of the New Hampshire Code of Administrative Rules, Part Ed 306: Minimum Standards for Public School Approval.
How to read the third column. A unit is listed against a standard only where its published pacing-guide objectives support it, so every row here is one you can check yourself against a free PDF. Fully means those objectives support the standard’s main clause and every requirement it names outside its “e.g.” examples. Partly means they support the main clause but not one or more named requirements — and the row says which, so you know exactly what to supplement. It is a strict rule, applied the same way in all five content areas; the member materials in each unit go further than the free guide advertises, so treat this as the floor, not the ceiling.
The misses are not spread evenly. 1. Earning income (1) is where the course leaves the most to supplement — 1 of its 4 content items are carried by no unit — so plan for that content area first. The table names every content area.
New Hampshire publishes no standards, and that is what makes this page different from the rest of the series. The rule tells each district to write the competencies, then says what they have to include: five content areas, four items each, 20 in total. There are no state learning objectives to match, so a New Hampshire department head is writing the competencies these units would be evidence for rather than matching an existing list — and the table below is a starting draft of exactly that. ⚠ Each item names several things at once (“Secured and unsecured loans, credit cards, mortgages, and alternative financial services, including borrowing costs and repayment plans” is one item), so most rows read Partly and the note names what is left for your competency to cover. ⭐ The five areas are the national framework’s six with investing folded into saving, so a district that has adopted those standards is already close.
| Content Area | Content items | Fully | Partly | Not by a unit |
|---|---|---|---|---|
| 1 1. Earning income | 4 | 2 | 1 | 1 |
| 2 2. Spending | 4 | 2 | 1 | 1 |
| 3 3. Saving | 4 | 0 | 4 | 0 |
| 4 4. Managing credit | 4 | 0 | 3 | 1 |
| 5 5. Managing risk | 4 | 0 | 3 | 1 |
| All five content areas | 20 | 4 | 12 | 4 |
1 · 1. Earning income
| Rule | What it asks for | Where the course covers it |
|---|---|---|
| 306.28(c)(1)a Earning income |
Understanding career paths and potential compensation for career paths | FullyCareers & Paying for Education |
| 306.28(c)(1)b Earning income |
Wage and salary compensation and employee benefits | FullyCareers & Paying for Education · Budgeting & First Paycheck |
| 306.28(c)(1)c Earning income |
The major types of federal and state income tax and sales tax schemes | PartlyTaxes & First Filing · Budgeting & First PaycheckNot covered here: The item names three tax schemes and the units teach one properly. State income tax and sales tax are not taught — deliberately, since these units print no rate that could go out of date, and a New Hampshire course would in any case be teaching a state with no general income or sales tax. |
| 306.28(c)(1)d Earning income |
Changes in economic conditions, technology, or the labor market that can cause changes in income, career opportunities, or employment status | No unit — see Career lessons & worksheets · Jobs & Career articles · Economics lessons & worksheets |
2 · 2. Spending
| Rule | What it asks for | Where the course covers it |
|---|---|---|
| 306.28(c)(2)a Spending |
Budgeting | FullyBudgeting & First Paycheck |
| 306.28(c)(2)b Spending |
Consumer decision-making and the factors that influence spending | FullyRenting & Major Purchases · Budgeting & First Paycheck · Modern Payments, Scams & Fraud |
| 306.28(c)(2)c Spending |
Federal and state consumer protection laws | No unit — see Legal Basics articles · Scams & Fraud articles |
| 306.28(c)(2)d Spending |
Financial record-keeping, including financial technology options | PartlyBudgeting & First Paycheck · Banking & Checking · Modern Payments, Scams & FraudNot covered here: Financial technology options for record-keeping — the apps and tools a student might use instead of paper — are named in the rule and are not a published objective. |
3 · 3. Saving
| Rule | What it asks for | Where the course covers it |
|---|---|---|
| 306.28(c)(3)a Saving |
Financial institutions, including the federal and state agencies that supervise and regulate them and the products and services offered | PartlyBanking & Checking · Saving & Emergency FundsNot covered here: The federal and state agencies that supervise and regulate financial institutions — deposit insurance, the regulators themselves — are named in the rule and taught by no published objective. |
| 306.28(c)(3)b Saving |
Interest rates, bank and investment management fees, inflation, and their effects on saving | PartlySaving & Emergency Funds · Banking & Checking · Investing & Long-Term GrowthNot covered here: Inflation and what it does to savings is the third thing this item names, and the units print no inflation rate by design. |
| 306.28(c)(3)c Saving |
Retirement and long-term financial goals | PartlySaving & Emergency Funds · Investing & Long-Term GrowthNot covered here: Retirement as its own planning problem — what it costs, where the income comes from, Social Security beside a workplace plan — is not a published objective. |
| 306.28(c)(3)d Saving |
Investing | PartlyInvesting & Long-Term GrowthNot covered here: What the unit deliberately does not print is the market itself — the products and the rates of return — so a district writing an investing competency that names stocks, bonds or funds is writing past what these five days cover. |
4 · 4. Managing credit
| Rule | What it asks for | Where the course covers it |
|---|---|---|
| 306.28(c)(4)a Managing credit |
Secured and unsecured loans, credit cards, mortgages, and alternative financial services, including borrowing costs and repayment plans | PartlyCredit & BorrowingNot covered here: The item’s list is wider than the unit: secured against unsecured loans, mortgages, alternative financial services and repayment plans each appear in the rule and in no published objective. |
| 306.28(c)(4)b Managing credit |
Financing of post-secondary education, including federal and private student loans, scholarships, grants, work-study programs, and savings | PartlyCareers & Paying for EducationNot covered here: Federal against private student loans as a comparison, and saving for post-secondary costs, are named in the rule and are not published objectives. |
| 306.28(c)(4)c Managing credit |
Credit bureaus, credit scores, credit reports, and the assessment of creditworthiness | PartlyCredit & BorrowingNot covered here: The other half is not taught: credit bureaus and credit reports as documents — what is in one, how to get it, how to correct it. |
| 306.28(c)(4)d Managing credit |
Consumer credit protection laws and protections | No unit — see Legal Basics articles · Credit lessons & worksheets · Credit & Debt articles |
5 · 5. Managing risk
| Rule | What it asks for | Where the course covers it |
|---|---|---|
| 306.28(c)(5)a Managing risk |
Insurance types, coverage, risk exposure, premiums, and deductibles | PartlyInsurance & Risk · Renting & Major PurchasesNot covered here: Insurance types is the one word in this item the unit does not deliver: it teaches what every policy has in common rather than naming auto, home, health, disability and life cover one by one. |
| 306.28(c)(5)b Managing risk |
Extended warranties and service contracts on consumer goods | No unit — see Insurance lessons & worksheets · Insurance articles |
| 306.28(c)(5)c Managing risk |
Safeguarding personal financial data | PartlyModern Payments, Scams & FraudNot covered here: Safeguarding the data itself — when to give out an account number or a Social Security number, and how to store documents — is not a published objective. |
| 306.28(c)(5)d Managing risk |
Identity theft and fraud | PartlyModern Payments, Scams & FraudNot covered here: What a victim does afterwards — the recovery steps, the reports, the deadlines — is not published here, because the unit prints no statutory deadline or liability cap by design. |
The Gaps
The 4 standards these units do not teach
No single course covers 20 standards to the same depth, and a crosswalk that claimed otherwise would not be much use to you in a curriculum review. These are the ones the 10 units do not carry, each with the reason. Most are served by something else on this site; where nothing is, it says so. Links marked lessons, worksheets or by a printable’s name are classroom material; links marked articles are background reading rather than something you can hand to a class.
- 306.28(c)(1)d Changes in economic conditions, technology, or the labor market that can cause changes in income, career opportunities, or employment statusHow changes in economic conditions, technology or the labor market change income, career opportunities or employment status. No published objective covers it. Elsewhere on this site: Career lessons & worksheets, Jobs & Career articles, Economics lessons & worksheets.
- 306.28(c)(2)c Federal and state consumer protection lawsFederal and state consumer protection laws. The units teach the reasoning and print no statute by design, so that a printed worksheet does not go out of date. Elsewhere on this site: Legal Basics articles, Scams & Fraud articles.
- 306.28(c)(4)d Consumer credit protection laws and protectionsConsumer credit protection laws and the protections they give. The units teach the reasoning and print no statute by design. Elsewhere on this site: Legal Basics articles, Credit lessons & worksheets, Credit & Debt articles.
- 306.28(c)(5)b Extended warranties and service contracts on consumer goodsExtended warranties and service contracts on consumer goods. Renting Day 5 prices what keeping a thing costs, but the warranty decision itself is not a published objective. Elsewhere on this site: Insurance lessons & worksheets, Insurance articles.
For Your Documentation
Using this in a curriculum map
Copy the standard codes straight from the table into your planning documents. Each unit’s own page lists its five daily objectives, and the free pacing guide prints them in a one-page table you can attach to a curriculum map or hand to a department head.
If you also report against the national frameworks, the Jump$tart and CEE crosswalk maps the same library to those. For placement and end-of-course evidence, the assessments hub lists the free course diagnostic and the unit and course tests.
Teach the whole course
The pacing guides, pre-quizzes and vocabulary sheets are free and need no account. Full Membership adds every teacher guide, student packet, quiz, unit project, final assessment and editable slide deck across all 10 units, plus the worksheet generators and printables the units point to.
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