learnfinancewithArizona
YES, but EMBEDDED. A.R.S. 15-701.01(A)(2) requires the State Board to mandate at least one-half course credit in ECONOMICS 'which shall include financial literacy and personal financial management' for graduation. There is NO standalone personal finance course requirement.
See the requirement summary.
- How it may be delivered
- EMBEDDED into the existing 0.5-credit economics course inside the 3 required social studies credits (A.A.C. R7-2-302). Statute separately says the board 'may consider establishing a required separate personal finance course', which it has NOT done.
- Credit value
- 0.5 credit - the economics credit itself, which must include financial literacy and personal financial management. NO additional credit beyond the existing economics requirement.
- Instructional-hour rule
- Not yet verified to a primary source — we publish only what we can cite.
- Below high school
- No middle/elementary personal finance course requirement. A.A.C. R7-2-301 requires social studies among K-8 subjects with no economics or personal finance course specified; the only checkpoint is demonstrating competency in the 8th-grade academic standards before a certificate of promotion.
- State-mandated assessment
- NONE. No state personal finance or economics EOC. The only social-studies-related graduation test is the civics test in A.A.C. R7-2-302 (raised to 70 of 100 correct beginning with the class of 2026). The OPTIONAL State Seal of Personal Finance Proficiency (A.A.C. R7-2-319) requires a State Board-adopted personal finance assessment, but participation is voluntary and schools opt in by September 1.
- Who may teach it
- Grades 10-12 Economics: Secondary Certificate with an approved area of Economics, Business, or Social Studies. Grade 9: Secondary, Middle Grades, or Elementary Certificate with Middle Grades Endorsement, plus approved area Economics, Business, Social Studies, or Middle Grades Social Studies. Business and Social Studies approved areas auto-qualify alongside Economics; a CTE Business and Marketing Certificate (6-12) covers the CTE pathway. ADE guidelines list NO separate 'Personal Finance' or 'Financial Literacy' approved area.
- State course codes
- Not yet verified to a primary source — we publish only what we can cite.
- Standards framework
- Arizona History and Social Science Standards (financial literacy lives in the Economics strand, anchor standard E1) (Adopted October 22, 2018; document updated/modified August 23, 2019)
- Funding a district may cite
- Not yet verified to a primary source — we publish only what we can cite.
- State agency contact
- Arizona Department of Education, K-12 Academic Standards (High Academic Standards for Students Division), 1535 W. Jefferson, Bin 5, Phoenix, AZ 85007; (602) 364-2333.
Facts on this page last verified 2026-08-09; every pack is re-verified on a six-month cadence, and anything we cannot cite is marked rather than guessed.
The district awards the credit — no platform can. Ours is designed to align with the state’s learning standards, and it produces the documentation a district needs to award credit: the course object with its federal course code, a pass determination that shows its arithmetic, an hour ledger that counts only observed instructional minutes, and a verified record of demonstrated mastery for every student.