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National Report Card | NEFE

The 2026 National Report Card on State Efforts to Improve Financial Literacy in High Schools™ provides policymakers, practitioners and advocates with a clear picture of financial education efforts across the U.S. Over the past decade, the report has become one of the field’s most trusted benchmarks, helping drive momentum behind state adoption and implementation of financial education requirements for students to complete a personal finance course before graduating high school. This year’s report is the sixth issued since 2013, and the first to be administered by the National Endowment for Financial Education (NEFE).

Explore the full report and individual state fact sheets below.

2026 High School National Report Card

The maps below highlight the grade each state has earned for policies that are fully in effect for the graduating Class of 2026, as well as the projected grade the state is expected to earn by 2031 based on policies that have been adopted but not yet implemented.

Current Grades Projected Grades
Image of 2025 states grades Image of projected 2031 states grades

For more information and detailed documentation for each state's grade, click a state on the map or select a state below.

Alabama

Learn more about this state's current policies and opportunities.

Alabama Press Release - 2026 Alabama Fact Sheet - 2026

Alaska

Learn more about this state's current policies and opportunities.

Alaska Press Release - 2026 Alaska Fact Sheet - 2026

Arizona

Learn more about this state's current policies and opportunities.

Arizona Press Release - 2026 Arizona Fact Sheet - 2026

Arkansas

Learn more about this state's current policies and opportunities.

Arkansas Press Release - 2026 Arkansas Fact Sheet - 2026

California

Learn more about this state's current policies and opportunities.

California Press Release - 2026 California Fact Sheet - 2026

Colorado

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Colorado Press Release - 2026 Colorado Fact Sheet - 2026

Connecticut

Learn more about this state's current policies and opportunities.

Connecticut Press Release - 2026 Connecticut Fact Sheet - 2026

Delaware

Learn more about this state's current policies and opportunities.

Delaware Press Release - 2026 Delaware Fact Sheet - 2026

Florida

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Florida Press Release - 2026 Florida Fact Sheet - 2026

Georgia

Learn more about this state's current policies and opportunities.

Georgia Press Release - 2026 Georgia Fact Sheet - 2026

Hawaii

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Hawaii Press Release - 2026 Hawaii Fact Sheet - 2026

Idaho

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Idaho Press Release - 2026 Idaho Fact Sheet - 2026

Illinois

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Illinois Press Release - 2026 Illinois Fact Sheet - 2026

Indiana

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Indiana Press Release - 2026 Indiana Fact Sheet - 2026

Iowa

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Iowa Press Release - 2026 Iowa Fact Sheet - 2026

Kansas

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Kansas Press Release - 2026 Kansas Fact Sheet - 2026

Kentucky

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Kentucky Press Release - 2026 Kentucky Fact Sheet - 2026

Louisiana

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Louisiana Press Release - 2026 Louisiana Fact Sheet - 2026

Maine

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Maine Press Release - 2026 Maine Fact Sheet - 2026

Maryland

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Maryland Press Release - 2026 Maryland Fact Sheet - 2026

Massachusetts

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Massachusetts Press Release - 2026 Massachusetts Fact Sheet - 2026

Michigan

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Michigan Press Release - 2026 Michigan Fact Sheet - 2026

Minnesota

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Minnesota Press Release - 2026 Minnesota Fact Sheet - 2026

Mississippi

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Mississippi Press Release - 2026 Mississippi Press Release - 2026

Missouri

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Missouri Press Release - 2026 Missouri Fact Sheet - 2026

Montana

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Montana Press Release - 2026 Montana Fact Sheet - 2026

Nebraska

Learn more about this state's current policies and opportunities.

Nebraska Press Release - 2026 Nebraska Fact Sheet - 2026

Nevada

Learn more about this state's current policies and opportunities.

Nevada Press Release - 2026 Nevada Fact Sheet - 2026

New Hampshire

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New Hampshire Press Release - 2026 New Hampshire Fact Sheet - 2026

New Jersey

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New Jersey Press Release - 2026 New Jersey Fact Sheet - 2026

New Mexico

Learn more about this state's current policies and opportunities.

New Mexico Press Release - 2026 New Mexico Fact Sheet - 2026

New York

Learn more about this state's current policies and opportunities.

New York Press Release - 2026 New York Fact Sheet - 2026

North Carolina

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North Carolina Press Release - 2026 North Carolina Fact Sheet - 2026

North Dakota

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North Dakota Press Release - 2026 North Dakota Fact Sheet - 2026

Ohio

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Ohio Press Release - 2026 Ohio Fact Sheet - 2026

Oklahoma

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Oklahoma Press Release - 2026 Oklahoma Fact Sheet - 2026

Oregon

Learn more about this state's current policies and opportunities.

Oregon Press Release - 2026 Oregon Fact Sheet - 2026

Pennsylvania

Learn more about this state's current policies and opportunities.

Pennsylvania Press Release - 2026 Pennsylvania Fact Sheet - 2026

Rhode Island

Learn more about this state's current policies and opportunities.

Rhode Island Press Release - 2026 Rhode Island Fact Sheet - 2026

South Carolina

Learn more about this state's current policies and opportunities.

South Carolina Press Release - 2026 South Carolina Fact Sheet - 2026

South Dakota

Learn more about this state's current policies and opportunities.

South Dakota Press Release - 2026 South Dakota Fact Sheet - 2026

Tennessee

Learn more about this state's current policies and opportunities.

Tennessee Press Release - 2026 Tennessee Fact Sheet - 2026

Texas

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Texas Press Release - 2026 Texas Fact Sheet - 2026

Utah

Learn more about this state's current policies and opportunities.

Utah Press Release - 2026 Utah Fact Sheet - 2026

Vermont

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Vermont Press Release - 2026 Vermont Fact Sheet - 2026

Virginia

Learn more about this state's current policies and opportunities.

Virginia Press Release - 2026 Virginia Fact Sheet - 2026

Washington

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Washington Press Release - 2026 Washington Fact Sheet - 2026

Washington, D.C.

Learn more about this state's current policies and opportunities.

Washington, D.C. Press Release - 2026 Washington, D.C. Press Release - 2026

West Virginia

Learn more about this state's current policies and opportunities.

West Virginia Press Release - 2026 West Virginia Fact Sheet - 2026

Wisconsin

Learn more about this state's current policies and opportunities.

Wisconsin Press Release - 2026 Wisconsin Fact Sheet - 2026

Wyoming

Learn more about this state's current policies and opportunities.

Wyoming Press Release - 2026 Wyoming Press Release - 2026



Frequently Asked Questions

The National Report Card on State Efforts to Improve Financial Literacy in High Schools™ is a resource designed to support policymakers, practitioners and advocates across the financial education field. Since its launch in 2013, the National Report Card has served as one of the field’s most trusted benchmarks for evaluating state-level K-12 policy and has helped substantially expand personal finance education nationwide. Each edition provides a detailed overview of the progress towards requiring every high school student nationwide to complete a personal finance course before graduating high school, looking at efforts to both adopt and implement effective financial education in every state and D.C.

The National Report Card is one of a suite of tools developed by NEFE for educators, policymakers, advocates and researchers across the financial education field. We encourage readers to consider how the National Report Card and other resources provided by NEFE can help them:

  • Understand the financial education policies within their state’s K-12 system
  • Identify opportunities to improve students’ access to effective financial education programs by engaging in the policymaking process
  • Consider their own role in the development, delivery and evaluation of financial education programming in their community and nationwide

The research supporting the National Report Card includes detailed reviews of high school graduation requirements and state academic standards for personal finance education as well as laws, regulations and guidelines related to how each state delivers personal finance education in its public high schools.

The 2026 edition of the Report Card assigns two grades to each state:

  1. Class of 2026 Grade: reflects the state’s current policy on personal finance education in public high schools for the graduating class of 2026.
  2. Projected Grade: reflects the state’s new public policy that has not yet been fully implemented. The projected grade is dated with the year the new policy is scheduled to be implemented—or is dated “2031” for states without any proposed policy changes. Grades are based on laws and regulations as of May 1, 2026. As of that date, there were no pending policy changes in any state that would take effect after 2031.

The National Report Card provides a detailed analysis of current and projected financial education policy at the state and national level, and includes statistics that are relevant to policymakers, researchers and more. In addition to this resource, NEFE provides the public with a wide range of data and statistics on financial education through our research, survey and policy analysis efforts.

In early 2026, NEFE acquired the National Report Card on High School Financial Literacy™ from the Center for Financial Literacy at Champlain College. Since its launch in 2013, the National Report Card has served as one of the field’s most trusted benchmarks for evaluating state-level K-12 policy and has helped drive substantial expansion of personal finance education nationwide.

Moving forward, NEFE will steward the National Report Card’s continued publication and evolution. We are honored to continue this important work and remain committed to preserving the report’s rigor, objectivity and credibility while expanding its value and reach to educators, policymakers, advocates and researchers. This transition reflects a commitment to supporting this valuable resource, which has been instrumental in the field’s progress.

The 2026 National Report Card mirrors the methodology and structure of past editions of the report. NEFE is committed to preserving the rigor, objectivity and creditability for which this resource has been known for over a decade while also expanding its value and reach to educators, policymakers, advocates and researchers for years to come. We look forward to collaborating with the field to continuously evolve and enhance future editions of the National Report Card.

Previous editions can be accessed in the National Report Card archive. For questions about content previously managed by the Champlain College Center for Financial Literacy or other inquiries about the National Report Card, please contact [email protected].

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