West Virginia integrates financial literacy into existing courses rather than requiring a standalone class. The state has 38 financial literacy standards across 8 topic areas that are embedded within subjects like economics and social studies.
Last updated: March 2026
Does West Virginia Require Financial Literacy Education?
Yes, through integration. West Virginia requires financial literacy concepts to be taught within existing courses rather than as a standalone class. West Virginia integrates financial literacy standards across multiple subject areas and grade levels rather than requiring a standalone course. Standards address personal finance, economic concepts, and financial decision-making throughout K-12 curriculum.
Mandate Details
- Status
- integrated
- Standalone Course
- No
- Grade Levels
- K-5, 6-8, 9-12
- Legislation
- HB 3113 (2023); codified as W. Va. Code § 18-2-7C (2023-03-23 (signed by Governor Justice; applies to students entering 9th grade in 2024-2025))
Key Agencies
What Are West Virginia's Financial Literacy Standards?
West Virginia has 38 financial literacy standards organized across 8 topic areas. These topics range from Education & Career Planning and Income & Taxes to Insurance & Risk Management, covering the full spectrum of personal finance education.
How West Virginia School Districts Adopt Financial Literacy Curriculum
West Virginia is a state adoption state, meaning curriculum must appear on a state-approved list before districts can purchase it with state funds. West Virginia is a state adoption state where the state Board of Education maintains approved lists of instructional materials for K-12 schools.
Purchasing Process
West Virginia uses a state-level adoption list system where materials must be approved by the West Virginia Board of Education before districts can purchase them for classroom use.
Decision Level
The state Board of Education approves materials for inclusion on adoption lists, but individual districts and schools retain the authority to select from approved materials based on their specific needs.
Textbook Adoption Cycle
6 years
All core subjects including Mathematics, English Language Arts, Science, Social Studies, and Career/Technical Education
West Virginia maintains rolling adoption cycles for different subject areas. Materials must align with West Virginia College and Career Readiness Standards. Specific adoption cycle schedules should be verified with the Board of Education.
Cooperative Purchasing Options
Curriculum That Meets West Virginia'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 West Virginia's learning objectives. iKnowFi Academy covers 35 of 38 standards (92.1% coverage) across 6 courses.
West Virginia Standards Coverage
92.1%Aligned Courses
Borrowing Money
Financial Building Blocks
Financial Preparation and Recovery
Managing Your Debt
Managing Your Money
Your Financial Future
West Virginia's Financial Literacy Standards & iKnowFi Academy Alignment
All 38 standards — 35 covered by iKnowFi Academy.
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Determine the tuition and fees of several specific public and private, two and four year institutions. | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Examine room and board cost for students that live on campus. | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Examine commuting costs for attending a local institution (gas, car maintenance, distance, time). | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Compare text book costs (used books, new books, digital rentals, Amazon, eCampus, local bookstore, text loaning programs). | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Determine personal expenses (hobbies, restaurants, entertainment, transportation, gas, bills, rent, insurance, cellphone). | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Examine the net price different postsecondary institutions utilizing the net price calculator required to be posted on all postsecondary institution's web pages. | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Identify sources of financial aid. | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Examine and understand Financial Aid terminology (e.g. FAFSA, EFC, grant, cost of attendance). | 9-12 | Your Financial Future |
| SS.C.30 | SS.C.30: Investigate the cost of postsecondary education. — Explore the application process for student loan qualifications and the repayment process. | 9-12 | Your Financial Future |
| SS.C.32 | SS.C.32: Examine the expectations and benefits of potential careers and their impact on lifelong earning potential. | 9-12 | Your Financial Future |
| SS.C.33 | SS.C.33: Examine general workforce preparedness skills. — Develop a resume showing skills, experiences and education that can be used when applying for a job, a scholarship, or college. | 9-12 | — |
| SS.C.33 | SS.C.33: Examine general workforce preparedness skills. — Participate in mock job interviews. | 9-12 | — |
| SS.C.33 | SS.C.33: Examine general workforce preparedness skills. — Identify workplace expectation, including prompt attendance, timeliness and efficiencies. | 9-12 | — |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Differentiate the annual income of a college graduate compared to a high school graduate. | 9-12 | Your Financial Future |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Differentiate between gross and net income (e.g., taxes, insurance and pension plans). | 9-12 | Financial Building Blocks |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Explore how earning a degree impacts lifestyle, lifelong earning potential, and personal wants versus needs. | 9-12 | Your Financial Future |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Investigate the consequences of personal choices in relation to finances. | 9-12 | Managing Your Money |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Explore how benefits packages, unions, and professional organizations impact lifestyle and career choices. | 9-12 | Financial Building Blocks |
| SS.C.35 | SS.C.35: Complete Federal and State income tax forms and examine other state and local taxes. | 9-12 | Financial Preparation and Recovery |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.34 | SS.C.34: Examine the causes of bankruptcy and how to avoid them. | 9-12 | Managing Your Debt |
| SS.C.36 | SS.C.36: Examine the advantages and disadvantages of different types of consumer debt to make sound financial decisions (e.g., home loans, credit card debt, automobile loans, pay-day loans and rent-to-own). | 9-12 | Borrowing Money |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.38 | SS.C.38: Utilize traditional and online banking services as well as examining fees, services and hidden costs of checking, savings, debit cards, Certificates of Deposit, etc. | 9-12 | Managing Your Money |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Construct, utilize, and monitor a budget for a recent high school graduate. | 9-12 | Financial Building Blocks |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Construct, utilize, and monitor a budget for a recent college graduate. | 9-12 | Financial Building Blocks |
| SS.C.31 | SS.C.31: Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. — Compare and contrast the budgets of a high school graduate and a recent college graduate. | 9-12 | Financial Building Blocks |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.37 | SS.C.37: Develop the knowledge and practices of a savvy consumer who knows consumer rights and responsibilities, can identify and avoid fraudulent practices and guard against identify theft. | 9-12 | Financial Preparation and Recovery |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.39 | SS.C.39: Examine financial habits that promote economic security, stability and growth. — Investments (e.g., stocks, mutual funds, certificates of deposits and commodity trading). | 9-12 | Your Financial Future |
| ID | Standard | Grade | iKnowFi Academy Course |
|---|---|---|---|
| SS.C.39 | SS.C.39: Examine financial habits that promote economic security, stability and growth. — Insurance (e.g., life insurance, health insurance, automobile insurance, home and renters insurance, and retirement plans). | 9-12 | Financial Preparation and Recovery |
West Virginia Financial Literacy FAQ
West Virginia integrates financial literacy into existing courses rather than requiring a standalone class.
West Virginia integrates financial literacy standards across multiple subject areas and grade levels rather than requiring a standalone course. Standards address personal finance, economic concepts, and financial decision-making throughout K-12 curriculum.
West Virginia's financial literacy requirement is established by HB 3113 (2023); codified as W. Va. Code § 18-2-7C. Effective 2023-03-23 (signed by Governor Justice; applies to students entering 9th grade in 2024-2025).
Requires each high school student to complete a one-half credit course of study in personal finance during their 11th or 12th grade year as a graduation requirement, beginning with the class entering 9th grade in the 2024-2025 school year.
West Virginia's financial literacy standards apply to grades K-5, 6-8, 9-12. Standards are integrated into existing coursework.
West Virginia has 38 financial literacy standards spanning 8 topic areas including Education & Career Planning, Income & Taxes, Credit & Debt Management, Banking & Financial Services, Budgeting & Money Management.
West Virginia's 38 standards are organized across 8 topics: Education & Career Planning, Income & Taxes, Credit & Debt Management, Banking & Financial Services, Budgeting & Money Management, Consumer Skills & Protection, Saving & Investing, Insurance & Risk Management.
West Virginia uses a state adoption process. Districts select from a state-approved vendor list.
West Virginia uses a state-level adoption list system where materials must be approved by the West Virginia Board of Education before districts can purchase them for classroom use.
iKnowFi Academy covers 35 of West Virginia's 38 financial literacy standards (92% coverage) across 6 self-paced online courses.
Each course is aligned to West Virginia's specific learning objectives, built on the Absorb LMS, and includes built-in assessments. Teachers assign them and students work independently.
Get Your Free West Virginia Standards Alignment Report
See exactly how iKnowFi Academy maps to each of West Virginia's 38 financial literacy standards — standard by standard, module by module.
- 35 of 38 standards covered
- 6 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 West Virginia school districts
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