learnfinancewithHawaii
YES. Beginning with incoming freshmen in the Class of 2030, all HIDOE students must successfully complete a financial literacy educational opportunity prior to graduation. It is a HIDOE ADMINISTRATIVE requirement, not a separate credit added to Board Policy 102-15.
Class of 2030 (incoming freshmen); schools are ENCOURAGED but not required to have Classes of 2027, 2028 and 2029 document completion as well. School year 2026-27.
First binds the class of 2030.
- How it may be delivered
- FLEXIBLE/EMBEDDED: completion is documented through the student's Personal Transition Plan (PTP), the required 0.5-credit graduation course. Schools may deliver it via a standalone elective course, integration into existing courses, self-paced learning, or other designs aligned to HIDOE standards.
- Credit value
- No separate credit is added. Completion is documented within the existing 0.5-credit Personal Transition Plan requirement; the optional standalone elective (ACCN XFL1010) is a one-semester course.
- Instructional-hour rule
- Not yet verified to a primary source — we publish only what we can cite.
- Below high school
- No middle or elementary financial literacy graduation/promotion requirement. The HIDOE Financial Literacy Program Standards are written for high school students through graduation; HIDOE's resource list notes EverFi and Banzai are also available for middle/elementary grades but does not require them.
- State-mandated assessment
- Not yet verified to a primary source — we publish only what we can cite.
- Who may teach it
- Not yet verified to a primary source — we publish only what we can cite.
- State course codes
- XFL1010 — Financial Literacy (one-semester high school elective) (HIGH confidence) — Optional standalone elective route (course option established summer 2021). · TGG1105 — Personal and Transition Plan (Guidance content area) (MEDIUM confidence) — The REQUIRED 0.5-credit course in which financial literacy completion is DOCUMENTED. Financial literacy may also be embedded in other courses without a dedicated code.
- Standards framework
- Hawaii State Department of Education Financial Literacy Program Standards (adapted from the 2021 National Standards for Personal Finance Education, CEE and Jump$tart) (Released AUGUST 2025; incorporates feedback gathered November 2021 and May 2025)
- Funding a district may cite
- No named state appropriation or funding program identified. HIDOE's Financial Literacy Resource Overview lists no-cost/sponsored third-party curricula available statewide: EverFi (free to all HIDOE schools), Banzai (may be sponsored by local financial institutions), Intuit for Education (free), and LYFE (priced).
- State agency contact
- Hawaii State Department of Education, Office of Curriculum and Instructional Design (Curriculum Innovation Branch, Academic Advancement Section), 1390 Miller St., Honolulu, HI 96813; (808) 784-6200. Schools register financial literacy points of contact at https://bit.ly/FL-contacts
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.