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Florida Personal Finance Standards & Graduation Requirements

Florida requires a half-credit standalone personal financial literacy course to graduate, in effect now for every 9th-grade cohort since 2023-24 (first graduating class of 2027).

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Florida at a glance

Requirement: Standalone course required
Legislation or authority: SB 1054 (2022) — Dorothy L. Hukill Financial Literacy Act; Fla. Stat. 1003.4282(3)(h); Rule 6A-1.09412, F.A.C.
Passed: Signed by Gov. DeSantis, March 22, 2022
Takes effect: Applies to students entering grade 9 in 2023-24 and thereafter
First graduating class affected: Class of 2027
Course length: One-half (0.5) credit standalone personal financial literacy & money management course
State standards: Florida B.E.S.T. Social Studies Standards — Personal Financial Literacy strand (SS.912.FL)

Read the official Florida standards

What Florida requires

The Dorothy L. Hukill Financial Literacy Act (SB 1054) requires a half credit of personal financial literacy within the 24 credits Florida students need for a standard diploma. It applies to students who entered 9th grade in 2023-24 and after — the class of 2027 onward — and is already being fulfilled by current 9th–12th graders.

The content is codified as the SS.912.FL benchmarks in Florida's B.E.S.T. Social Studies Standards, delivered through CPALMS course #2102371 (Personal Finance and Money Management).

Last reviewed against official sources on 2026-07-15.

How Rapunzl maps to Florida standards

Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Florida framework.

Florida strand	CEE pillar	Rapunzl modules
Financial attitudes & behaviors	Financial Decision-Making	Financial Statistics Top Investor Strategies
Earning income	Earning Income	Taxes & Income Careers In Finance
Buying goods and services	Spending	The Basics Of Banking Buying Your First Home Paying For College
Saving	Saving	Saving Versus Investing The Basics Of Banking
Using credit	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Financial investing	Investing	Welcome To The Stock Market What Makes A Good Stock?ETFs & Mutual Funds
Protecting and insuring	Managing Risk	Diversification & Risk Insurance & Retirement

Educators can request a full Florida standards crosswalk through the Educator Dashboard.

Standards alignment details: how Rapunzl covers Florida's personal finance standards

A standard-by-standard look at the Florida framework. 20 standards are covered across 14 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.

Florida Personal Finance Standards

Florida standard	Aligned Rapunzl modules
Types of bank accounts offered, opening and managing a bank account and assessing the quality of a depository of institution's services	The Basics Of Banking Budgeting & Spending
Balancing a check book	Saving Versus Investing Budgeting & Spending
Basic principles of money management, such as spending, credit, credit scores, and managing debt, including retail and credit card debt	Saving Versus Investing The Power & Risks Of Credit Budgeting & Spending
Completing a loan application	How To Make Loans Work For You Buying Your First Home Saving Versus Investing Insurance & Retirement
Receiving an inheritance and related implications	Taxes & Income
Basic principles of personal insurance policies	Insurance & Retirement Buying Your First Home Saving Versus Investing
Computing federal income taxes	Taxes & Income
Local tax assessments	Taxes & Income
Computing interest rates by various mechanisms	Welcome To The Stock Market Saving Versus Investing The Power & Risks Of Credit How To Make Loans Work For You
Simple contracts	Insurance & Retirement Taxes & Income Buying Your First Home
Contesting an incorrect billing statement	The Power & Risks Of Credit Budgeting & Spending
Types of savings and investments	Welcome To The Stock Market Saving Versus Investing How To Make Loans Work For You Diversification & Risk What Makes A Good Stock?The Basics Of Banking Budgeting & Spending
State and federal laws concerning finance	What Makes A Good Stock?Insurance & Retirement Taxes & Income ESG & Social Impact

Financial Literacy Social Studies Alignment

Florida standard	Aligned Rapunzl modules
SS.912.FL.1: Understanding the attitudes and behaviors of personal financial decision making. read more	Welcome To The Stock Market Saving Versus Investing The Power & Risks Of Credit Budgeting & Spending
SS.912.FL.2: Explore and evaluate the benefits and costs (including tax implications) of various paths toward earning income. read more	Taxes & Income Paying For College
SS.912.FL.3: Explore and evaluate the role, influences and legal responsibility of being a consumer of goods and services. read more	The Economy & Federal Reserve
SS.912.FL.4: Identify and compare the different means and risks of saving and investing money, including the impact of inflation and interest rates. read more	Saving Versus Investing Diversification & Risk The Basics Of Banking
SS.912.FL.5: Identify and analyze the benefits, risks, associated fees and laws that consumers should consider when choosing to buy on credit. read more	The Power & Risks Of Credit Buying Your First Home Saving Versus Investing Insurance & Retirement
SS.912.FL.6: Identify and analyze the means, types and risks of financial investing including personal and societal influences and the government’s role in regulating investments. read more	Diversification & Risk Taxes & Income ESG & Social Impact
SS.912.FL.7: Identify and analyze methods of protecting financial investments and personal information. read more	Diversification & Risk The Economy & Federal Reserve

Standards alignment for Florida is provided for planning and is updated annually. Educators can request a formatted Florida standards crosswalk through the Educator Dashboard.

Why Florida schools choose Rapunzl

Florida's Dorothy L. Hukill Financial Literacy Act put a half credit of personal financial literacy inside the standard diploma, and it is not a future requirement: students who entered grade 9 in 2023-24 are already fulfilling it, with the class of 2027 first across the line. The content is fixed as the SS.912.FL benchmarks and delivered through the CPALMS Personal Finance and Money Management course, so the open decision is what to teach it with. Rapunzl fills that course with a live-market simulator where students manage a $10,000 portfolio, in a sequence that runs a few weeks or a full semester.

100,000+students have completed Rapunzl's curriculum
93%average financial literacy scores on national test over past 5 years, 24% above average
31interactive modules that can be customized into a course progression for your classroom
20+hours of gameplay in 2 interactive mini-games alongside our investment simulator and financial calculators

Teachers get a dashboard that exports grades and crosswalks each lesson to Florida's SS.912.FL benchmarks, with materials in English and Spanish that work with a screen reader. Rapunzl's January scholarship competition gives the required half credit a hook students follow past the gradebook.

Florida personal finance requirement FAQ

Florida requires a half-credit standalone personal financial literacy course to graduate, in effect now for every 9th-grade cohort since 2023-24 (first graduating class of 2027).

The requirement is set by SB 1054 (2022) — Dorothy L. Hukill Financial Literacy Act; Fla. Stat. 1003.4282(3)(h); Rule 6A-1.09412, F.A.C..

Takes effect: Applies to students entering grade 9 in 2023-24 and thereafter.

One-half (0.5) credit standalone personal financial literacy & money management course.

Florida's requirement is a standalone course requirement.

In practice that means a dedicated class of its own, taken for credit, rather than a few personal finance lessons folded into another subject.

The Class of 2027 is the first graduating class that has to meet it, so earlier classes are not held to the requirement.

Timeline: Applies to students entering grade 9 in 2023-24 and thereafter.

If you are planning a course now, that timeline is the window to have curriculum in place before Florida starts holding students to it.

Florida B.E.S.T. Social Studies Standards — Personal Financial Literacy strand (SS.912.FL).

Rapunzl is built on the Council for Economic Education's six pillars: earning income, spending, saving, investing, managing credit, and managing risk. Florida's SS.912.FL benchmarks in the B.E.S.T. standards cover the same topics, so the crosswalk above ties each to the modules that teach it.

Yes. Rapunzl's modules and live simulator cover the six CEE pillars, and those map onto the Florida SS.912.FL benchmarks on this page, so the CPALMS Personal Finance course has curriculum ready.

Students learn by investing a simulated $10,000 in real market conditions, and teachers manage the class from a dashboard with grade export, bilingual materials, and screen-reader support.

Request a demo and we'll send the Florida crosswalk plus classroom access so you can see how it fills the required half credit.

Bring Rapunzl to your Florida classroom

Explore the curriculum and real-time simulator free for 30 days. Tell us about your school and we'll send your all-access demo along with the Florida standards crosswalk.

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