North Dakota integrates financial literacy into existing courses rather than requiring a standalone class. The state has 50 financial literacy standards across 6 topic areas that are embedded within subjects like economics and social studies.
Last updated: March 2026
Does North Dakota Require Financial Literacy Education?
Yes, through integration. North Dakota requires financial literacy concepts to be taught within existing courses rather than as a standalone class. North Dakota requires financial literacy standards integrated into K-12 curricula, particularly within social studies and career/technical education. Districts implement instruction according to state academic standards but have flexibility in curriculum selection.
Mandate Details
- Status
- integrated
- Standalone Course
- No
- Grade Levels
- K-5, 6-8, 9-12
- Legislation
- HB 1533 (69th Legislative Assembly, 2025) (2025-04-24 (signed by Governor))
Key Agencies
What Are North Dakota's Financial Literacy Standards?
North Dakota has 50 financial literacy standards organized across 6 topic areas. These topics range from Financial Planning & Budgeting and Credit & Debt to Insurance & Risk Management, covering the full spectrum of personal finance education.
How North Dakota School Districts Adopt Financial Literacy Curriculum
North Dakota is an open territory state, meaning individual districts have the authority to select and purchase curriculum directly without state-level approval. North Dakota does not maintain a state adoption list. Districts have local control over curriculum and materials selection decisions.
Purchasing Process
Individual school districts make independent purchasing decisions for educational materials. Some districts may participate in cooperative purchasing agreements, but there is no state-mandated adoption process.
Decision Level
Each school district in North Dakota has autonomy to select and purchase educational materials that meet their specific needs and standards.
Cooperative Purchasing Options
Curriculum That Meets North Dakota's Financial Literacy Standards
Districts looking for a standards-aligned financial literacy curriculum can use iKnowFi Academy — a self-paced, online platform built on the Absorb LMS that maps directly to North Dakota's learning objectives. iKnowFi Academy covers 50 of 50 standards (100.0% coverage) across 9 courses.
North Dakota Standards Coverage
100.0%Aligned Courses
Borrowing Money
Establishing Credit
Financial Building Blocks
Financial Preparation and Recovery
Managing Your Debt
Managing Your Money
The Importance of Saving
Using Credit Cards
Your Financial Future
North Dakota's Financial Literacy Standards & iKnowFi Academy Alignment
All 50 standards — 50 covered by iKnowFi Academy.
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.FA.FD.1 | Describe emotional and behavioral aspects of financial situations. | 9-10 | Managing Your Money |
| 9-10.FA.FD.2 | Identify tools available to examine financial options. | 9-10 | Financial Building Blocks |
| 9-10.FA.FG.1 | Explain how opportunity costs impact financial goals. | 9-10 | Managing Your Money |
| 9-10.MM.B.1 | Describe elements to consider when making a budget. | 9-10 | Financial Building Blocks |
| 9-10.MM.B.2 | Develop a budget to meet a spending goal. | 9-10 | Financial Building Blocks |
| 11-12.FA.FD.1 | Analyze emotional and behavioral aspects of financial decisions. | 11-12 | Managing Your Money |
| 11-12.FA.FD.2 | Utilize the tools available to examine financial options. | 11-12 | Financial Building Blocks |
| 11-12.FA.FG.1 | Analyze the opportunity costs of financial decisions on short-term and long-term goals. | 11-12 | The Importance of Saving |
| 11-12.MM.B.1 | Identify the components of a budget. | 11-12 | Financial Building Blocks |
| 11-12.MM.B.2a | Develop a budget and identify possible adjustments to improve its effectiveness. | 11-12 | Financial Building Blocks |
| 11-12.MM.B.2b | Develop a budget and identify possible adjustments to improve its effectiveness. | 11-12 | Financial Building Blocks |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.MM.CD.1 | Describe different types of credit. | 9-10 | Borrowing Money |
| 9-10.MM.CD.2 | Identify the terms and conditions associated with credit. | 9-10 | Using Credit Cards |
| 9-10.MM.CD.3 | Identify strategies to manage debt. | 9-10 | Managing Your Debt |
| 9-10.MM.CD.4 | Describe the factors that impact a credit score. | 9-10 | Establishing Credit |
| 9-10.MM.CD.5 | Describe the positive and negative impacts of debt. | 9-10 | Managing Your Debt |
| 11-12.MM.CD.1 | Analyze different types of credit. | 11-12 | Borrowing Money |
| 11-12.MM.CD.2 | Explain the terms and conditions associated with credit. | 11-12 | Borrowing Money |
| 11-12.MM.CD.3 | Develop strategies to manage debt effectively. | 11-12 | Managing Your Debt |
| 11-12.MM.CD.4 | Analyze the factors that impact a credit score. | 11-12 | Establishing Credit |
| 11-12.MM.CD.5 | Analyze the positive and negative impact(s) of debt on future financial decisions and opportunities. | 11-12 | Managing Your Debt |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.FA.T.1 | Describe the impacts of income tax, sales tax, and property taxes on one's personal finances. | 9-10 | Financial Preparation and Recovery |
| 9-10.FA.T.2 | Analyze the impact of taxes on personal finances. | 9-10 | Financial Preparation and Recovery |
| 9-10.FA.EE.1a | Investigate the impacts of career choices and training costs on one's financial opportunities. | 9-10 | Your Financial Future |
| 9-10.FA.EE.1b | Identify post-secondary education and training opportunities. | 9-10 | Your Financial Future |
| 11-12.FA.T.1a | Calculate payroll withholding taxes. | 11-12 | Financial Building Blocks |
| 11-12.FA.T.1b | Identify the documents and forms necessary to complete an income tax return. | 11-12 | Financial Building Blocks |
| 11-12.FA.T.2 | Evaluate the effect of taxes on personal finances. | 11-12 | Financial Preparation and Recovery |
| 11-12.FA.EE.1a | Assess career choices and the impact on financial opportunities. | 11-12 | Your Financial Future |
| 11-12.FA.EE.1b | Identify post-secondary education and training opportunities. | 11-12 | Your Financial Future |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.MM.S.1 | Identify the varying features of saving options. | 9-10 | The Importance of Saving |
| 9-10.MM.S.2 | Describe the impacts of saving money on one's financial future. | 9-10 | The Importance of Saving |
| 9-10.MM.I.1 | Describe different investment options. | 9-10 | Your Financial Future |
| 9-10.MM.I.2 | Describe the impact of compound interest on investments. | 9-10 | The Importance of Saving |
| 11-12.MM.S.1 | Compare the varying features of different saving options. | 11-12 | The Importance of Saving |
| 11-12.MM.S.2 | Describe effective strategies to achieve different types of financial objectives. | 11-12 | The Importance of Saving |
| 11-12.MM.I.1 | Compare investment options. | 11-12 | Your Financial Future |
| 11-12.MM.I.2 | Evaluate the impact of simple versus compound interest. | 11-12 | The Importance of Saving |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.MM.PB.1 | Describe the risks and benefits of current and emerging payment options. | 9-10 | Managing Your Money |
| 9-10.MM.PB.2 | Describe different financial institutions and the financial services provided by each. | 9-10 | Managing Your Money |
| 9-10.RM.F.1 | Describe situations in which personal and financial information is shared digitally. | 9-10 | Financial Preparation and Recovery |
| 9-10.RM.F.2 | Explain how consumers can identify fraudulent behavior and practices. | 9-10 | Financial Preparation and Recovery |
| 11-12.MM.PB.1 | Evaluate the risks and benefits of current and emerging payment options. | 11-12 | Managing Your Money |
| 11-12.MM.PB.2 | Describe different financial institutions and the financial services provided by each. | 11-12 | Managing Your Money |
| 11-12.RM.F.1 | Explore the risks and dangers of sharing personal information in a digital world. | 11-12 | Financial Preparation and Recovery |
| 11-12.RM.F.2 | Explain how consumers can identify and report fraudulent behavior and practices. | 11-12 | Financial Preparation and Recovery |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| 9-10.RM.IN.1 | Describe the various types of insurance. | 9-10 | Financial Preparation and Recovery |
| 9-10.RM.IN.2 | Describe ways and reasons levels of insurance coverage vary. | 9-10 | Financial Preparation and Recovery |
| 11-12.RM.IN.1 | Describe the protections offered by auto, health, homeowners, life, and renters' insurance. | 11-12 | Financial Preparation and Recovery |
| 11-12.RM.IN.2 | Compare the various levels of insurance coverage and the impact on personal finance. | 11-12 | Financial Preparation and Recovery |
North Dakota Financial Literacy FAQ
North Dakota integrates financial literacy into existing courses rather than requiring a standalone class.
North Dakota requires financial literacy standards integrated into K-12 curricula, particularly within social studies and career/technical education. Districts implement instruction according to state academic standards but have flexibility in curriculum selection.
North Dakota's financial literacy requirement is established by HB 1533 (69th Legislative Assembly, 2025). Effective 2025-04-24 (signed by Governor).
Amends Section 15.1-21-21 of the North Dakota Century Code to require each high school student to complete one-half unit of financial literacy, or alternatively ensure that the economics or problems of democracy curriculum includes exposure to personal finance concepts including budgeting, investing, debt, and risk management.
North Dakota's financial literacy standards apply to grades K-5, 6-8, 9-12. Standards are integrated into existing coursework.
North Dakota has 50 financial literacy standards spanning 6 topic areas including Financial Planning & Budgeting, Credit & Debt, Earning & Income, Saving & Investing, Consumer Skills & Protection.
North Dakota's 50 standards are organized across 6 topics: Financial Planning & Budgeting, Credit & Debt, Earning & Income, Saving & Investing, Consumer Skills & Protection, Insurance & Risk Management.
North Dakota is an open-territory state where individual districts purchase curriculum directly.
Individual school districts make independent purchasing decisions for educational materials. Some districts may participate in cooperative purchasing agreements, but there is no state-mandated adoption process.
iKnowFi Academy covers 50 of North Dakota's 50 financial literacy standards (100% coverage) across 9 self-paced online courses.
Each course is aligned to North Dakota's specific learning objectives, built on the Absorb LMS, and includes built-in assessments. Teachers assign them and students work independently.
Get Your Free North Dakota Standards Alignment Report
See exactly how iKnowFi Academy maps to each of North Dakota's 50 financial literacy standards — standard by standard, module by module.
- 50 of 50 standards covered
- 9 self-paced courses, ready to assign
- Built-in assessments and progress tracking
- No schedule changes needed — students work independently
Ready to see the full alignment?
Free for North Dakota school districts
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