Oregon requires financial literacy education for public school students. The state has 28 financial literacy standards spanning 10 topic areas, covering grades K-5, 6-8, 9-12.

Last updated: March 2026

28 Standards
10 Topic Areas
required Mandate Status
K-5, 6-8, 9-12 Grade Levels

Does Oregon Require Financial Literacy Education?

Yes. Oregon requires financial literacy instruction for public school students. Oregon requires personal finance/financial literacy instruction as part of social studies and career-related learning standards. Standards emphasize financial decision-making and consumer awareness across grade levels.

Mandate Details

Status
required
Standalone Course
No
Grade Levels
K-5, 6-8, 9-12
Legislation
Senate Bill 3 (2023), amending ORS 329.451 (2023-07-01)

Key Agencies

Oregon Department of Education
State adoption authority, curriculum standards development, vendor registration and approval
Oregon School Boards Association (OSBA)
Cooperative purchasing program administration and district support
Oregon Association of Education Service Districts
Regional procurement support, curriculum consultation, and cooperative purchasing administration
What this means for districts: Schools must adopt curriculum that aligns to Oregon's 28 financial literacy standards. Districts need to verify that their chosen curriculum maps to these specific requirements.

What Are Oregon's Financial Literacy Standards?

Oregon has 28 financial literacy standards organized across 10 topic areas. These topics range from Credit & Debt and Budgeting & Cash Flow to Investing, covering the full spectrum of personal finance education.

9 standards
Credit & Debt
9 covered
3 standards
Budgeting & Cash Flow
3 covered
3 standards
Financial Decision-Making & Behavior
3 covered
3 standards
Taxes
3 covered
2 standards
Banking & Payments
2 covered
2 standards
Earning Income
2 covered
2 standards
Consumer Protection & Fraud
2 covered
2 standards
Identity Theft & Cyber Safety
2 covered
1 standard
Net Worth & Wealth Building
1 covered
1 standard
Investing
1 covered

How Oregon School Districts Adopt Financial Literacy Curriculum

Oregon is a state adoption state, meaning curriculum must appear on a state-approved list before districts can purchase it with state funds. Oregon maintains a state adoption list for instructional materials in core subject areas, though districts retain some discretion in selection within approved categories.

Purchasing Process

Oregon uses a state adoption process where materials are reviewed and approved at the state level, then districts select from the approved list. The state adoption list guides purchasing but does not mandate exclusive adoption.

Decision Level

The state establishes adoption lists and approval standards, but individual districts make final purchasing decisions from approved materials. Districts may request waivers for non-listed materials under specific circumstances.

Textbook Adoption Cycle

Cycle Length
6 years
Subject Area
Social Studies, Math, Language Arts, Science, and Career-Related Learning

Oregon operates on a rotating adoption cycle with different subject areas reviewed in different years. Districts must select from approved lists during designated adoption windows, typically occurring every 6 years per subject area.

Cooperative Purchasing Options

Oregon School Boards Association (OSBA) Cooperative Purchasing Program Confederation of Oregon School Administrators (COSA) Purchasing Cooperative Educational Service Districts (ESDs) Purchasing Cooperatives

Curriculum That Meets Oregon'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 Oregon's learning objectives. iKnowFi Academy covers 28 of 28 standards (100.0% coverage) across 8 courses.

Oregon Standards Coverage

100.0%
28 of 28 standards covered 8 courses

Aligned Courses

Borrowing Money

1 module · 3 standards aligned

Establishing Credit

2 modules · 3 standards aligned

Financial Building Blocks

2 modules · 5 standards aligned

Financial Preparation and Recovery

2 modules · 5 standards aligned

Managing Your Debt

1 module · 2 standards aligned

Managing Your Money

3 modules · 5 standards aligned

Using Credit Cards

1 module · 3 standards aligned

Your Financial Future

1 module · 2 standards aligned

Oregon's Financial Literacy Standards & iKnowFi Academy Alignment

All 28 standards — 28 covered by iKnowFi Academy.

Credit & Debt 9/9 covered
ID Standard Grade iKnowFi Academy Course
STD-1 Understand components used to build credit and investigate actions that could impact personal credit scores. High School Establishing Credit
STD-2 Understand components used to build credit and investigate actions that could impact personal credit scores. High School Establishing Credit
STD-3 Compare and contrast various types of consumer credit and the costs and benefits of borrowing money. High School Using Credit Cards
STD-4 Compare and contrast various types of consumer credit and the costs and benefits of borrowing money. High School Borrowing Money
STD-5 Analyze the long-term impacts of high and low credit scores. High School Establishing Credit
STD-10 Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations. High School Borrowing Money
STD-11 Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations. High School Managing Your Debt
STD-12 Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations. High School Managing Your Debt
STD-13 Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations. High School Borrowing Money
Budgeting & Cash Flow 3/3 covered
ID Standard Grade iKnowFi Academy Course
STD-14 Describe budgeting strategies for savings goals, emergency funds, fixed expenses and variable expenses. High School Financial Building Blocks
STD-17 Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes. High School Financial Building Blocks
STD-18 Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes. High School Financial Building Blocks
Financial Decision-Making & Behavior 3/3 covered
ID Standard Grade iKnowFi Academy Course
STD-15 Identify and examine the costs and benefits of financial decisions. High School Managing Your Money
STD-16 Identify and examine the costs and benefits of financial decisions. High School Managing Your Money
STD-24 Analyze the psychology of money through cultural, social, and emotional influences on financial behavior. High School Managing Your Money
Taxes 3/3 covered
ID Standard Grade iKnowFi Academy Course
STD-21 Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options. High School Financial Preparation and Recovery
STD-22 Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability. High School Financial Preparation and Recovery
STD-23 Understand common types of federal, state, regional, and local taxes and associated tax-funded services provided. High School Financial Preparation and Recovery
Banking & Payments 2/2 covered
ID Standard Grade iKnowFi Academy Course
STD-6 Describe the roles of various types of financial institutions, and explore products and services provided by these institutions. High School Managing Your Money
STD-7 Describe the roles of various types of financial institutions, and explore products and services provided by these institutions. High School Managing Your Money
Earning Income 2/2 covered
ID Standard Grade iKnowFi Academy Course
STD-19 Define and identify examples of common types of income. High School Financial Building Blocks
STD-20 Define and identify examples of common types of income. High School Financial Building Blocks
Consumer Protection & Fraud 2/2 covered
ID Standard Grade iKnowFi Academy Course
STD-25 Analyze and apply multiple sources of information when making consumer decisions. High School Using Credit Cards
STD-26 Analyze and apply multiple sources of information when making consumer decisions. High School Using Credit Cards
Identity Theft & Cyber Safety 2/2 covered
ID Standard Grade iKnowFi Academy Course
STD-27 Understand and apply strategies to prevent fraud and personal identity theft. High School Financial Preparation and Recovery
STD-28 Understand and apply strategies to prevent fraud and personal identity theft. High School Financial Preparation and Recovery
Net Worth & Wealth Building 1/1 covered
ID Standard Grade iKnowFi Academy Course
STD-8 Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy. High School Your Financial Future
Investing 1/1 covered
ID Standard Grade iKnowFi Academy Course
STD-9 Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy. High School Your Financial Future

Oregon Financial Literacy FAQ

Yes. Oregon requires financial literacy instruction.

Oregon requires personal finance/financial literacy instruction as part of social studies and career-related learning standards. Standards emphasize financial decision-making and consumer awareness across grade levels.

Oregon's financial literacy requirement is established by Senate Bill 3 (2023), amending ORS 329.451. Effective 2023-07-01.

Requires students to complete 0.5 credit in Personal Financial Education and 0.5 credit in Higher Education and Career Path Skills as part of Oregon's 24-credit diploma requirements, applicable to diplomas awarded on or after January 1, 2027.

Oregon's financial literacy standards apply to grades K-5, 6-8, 9-12. Standards are integrated into existing coursework.

Oregon has 28 financial literacy standards spanning 10 topic areas including Credit & Debt, Budgeting & Cash Flow, Financial Decision-Making & Behavior, Taxes, Banking & Payments.

Oregon's 28 standards are organized across 10 topics: Credit & Debt, Budgeting & Cash Flow, Financial Decision-Making & Behavior, Taxes, Banking & Payments, Earning Income, Consumer Protection & Fraud, Identity Theft & Cyber Safety, Net Worth & Wealth Building, Investing.

Oregon uses a state adoption process. Districts select from a state-approved vendor list.

Oregon uses a state adoption process where materials are reviewed and approved at the state level, then districts select from the approved list. The state adoption list guides purchasing but does not mandate exclusive adoption.

iKnowFi Academy covers 28 of Oregon's 28 financial literacy standards (100% coverage) across 8 self-paced online courses.

Each course is aligned to Oregon's specific learning objectives, built on the Absorb LMS, and includes built-in assessments. Teachers assign them and students work independently.

Get Your Free Oregon Standards Alignment Report

See exactly how iKnowFi Academy maps to each of Oregon's 28 financial literacy standards — standard by standard, module by module.

  • 28 of 28 standards covered
  • 8 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 Oregon school districts

Request Alignment Report Schedule a Demo
Last updated: March 2026