Missouri

0.5 unit of credit in Personal Finance is required within the 24 units for graduation, set by State Board rule 5 CSR 20-100.190 (promulgated under §161.092, RSMo). NO statute imposes the requirement.

All Missouri public high-school graduates since the class of 2010 (rule filed June 30, 2005, effective Jan 30, 2006; requirement added in the 2006 graduation-requirements revision).

In force — first bound the class of 2010.

Source: 5 CSR 20-100.190 (originally 5 CSR 50-345.300, filed June 30, 2005, eff. Jan 30, 2006; moved 2011; amended eff. June 30, 2019); class-of-2010 start per DESE's 2007 publication and current curriculum page

How it may be delivered: EITHER — a standalone course is NOT required and embedding IS permitted: DESE recognizes (a) a stand-alone Personal Finance course (state online assessment OPTIONAL); (b) credit from EMBEDDED coursework (assessment REQUIRED, pass rate set by the district); (c) TESTING OUT (assessment REQUIRED, 90%+, one attempt per window).; Source: DESE social studies / personal finance curriculum guidance
Credit value: one-half unit of credit, of 24 total units; Source: 5 CSR 20-100.190
Instructional-hour rule: Not yet verified to a primary source — we publish only what we can cite.
Below high school: NONE — 5 CSR 20-100.190 sets only high-school requirements; no elementary or middle-school personal-finance requirement or checkpoint. DESE recommends (does not require) taking the course after ninth grade; placement is a district decision.; Source: 5 CSR 20-100.190; DESE curriculum guidance
State-mandated assessment: CONDITIONALLY REQUIRED — Missouri's distinctive shape: an optional Personal Finance EOC (subject code PERSFN, free to districts, not among the required EOCs) that becomes REQUIRED for embedded-credit students (district sets pass rate) and for test-out students (90%+). Optional for stand-alone course students. One attempt per testing window; EL/IEP/504 accommodations apply.; Source: DESE End-of-Course assessment program
Who may teach it: Not yet verified to a primary source — we publish only what we can cite.
State course codes: Not yet verified to a primary source — we publish only what we can cite.
Standards framework: Personal Finance Course Level Expectations (CLEs), Grades 9–12 — approved September 2017, implemented 2019–20: seven Roman-numeral competencies (I Financial Decision Making through VII Financial Investing), coded Strand.Concept.Objective (e.g. I.1.A); Source: DESE, Personal Finance Course Level Expectations (State Board approved Sept 2017; PDF dated Summer 2017); DESE publishes a 2016/2017 crosswalk; top-level items unchanged since 2006
Funding a district may cite: Not yet verified to a primary source — we publish only what we can cite.
State agency contact: Tyler Janke, DESE — Social Studies & Personal Finance: tyler.janke@dese.mo.gov, 573-751-0398. Related: DESE Business, Marketing & IT Education (CTE), 573-751-4367.; Source: DESE social studies curriculum page

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.

See the platform