How much personal finance does Oregon require?

One-half (0.5) credit Personal Financial Education (plus a separate Higher Education & Career Path Skills credit under SB 3). Oregon'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.

What personal finance standards does Oregon use?

Oregon Personal Financial Education standards (ODE / SB 3). Rapunzl's curriculum is built on the Council for Economic Education's six pillars: Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk. Those pillars map to every strand in the framework, which is why the same course can satisfy standards that are worded differently from one state to the next.

Does Rapunzl's curriculum align to Oregon standards?

Yes. Rapunzl's modules and real-time investing simulator cover the CEE six pillars, and those pillars crosswalk to the Oregon strands listed on this page. Students learn by making real decisions with a simulated $10,000 portfolio priced on live market data, and teachers get an educator dashboard with grade export, materials in English and Spanish, and screen-reader accessibility. Request a demo and we'll send the Oregon standards crosswalk along with classroom access.

Oregon Personal Finance Standards & Graduation Requirements

Q: Which Oregon students does the requirement apply to?

The Class of 2027 is the first graduating class that has to meet it, so earlier classes are not held to the requirement. Timeline: New diploma requirements begin with the graduating class of 2027. If you are planning a course now, that timeline is the window to have curriculum in place before Oregon starts holding students to it.

Oregon at a glance

Requirement: Standalone course required
Legislation or authority: SB 3 (2023) — Personal Financial Education diploma requirement
Passed: Signed 2023
Takes effect: New diploma requirements begin with the graduating class of 2027
First graduating class affected: Class of 2027
Course length: One-half (0.5) credit Personal Financial Education (plus a separate Higher Education & Career Path Skills credit under SB 3)
State standards: Oregon Personal Financial Education standards (ODE / SB 3)

Read the official Oregon standards

What Oregon requires

SB 3 created two new Oregon diploma requirements: Personal Financial Education and Higher Education & Career Path Skills. The State Board adopted administrative rules, effective for the class of 2027.

The personal financial education piece is a half credit.

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

How Rapunzl maps to Oregon standards

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

Oregon strand	CEE pillar	Rapunzl modules
Earning income & careers	Earning Income	Taxes & Income Careers In Finance
Spending & budgeting	Spending	The Basics Of Banking Buying Your First Home Paying For College
Saving & investing	Investing	Welcome To The Stock Market What Makes A Good Stock?ETFs & Mutual Funds
Credit & debt	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Risk management & insurance	Managing Risk	Diversification & Risk Insurance & Retirement
Financial decision-making & planning	Financial Decision-Making	Financial Statistics Top Investor Strategies

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

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

A standard-by-standard look at the Oregon framework. 16 standards are covered across 11 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.

HS.PFE.A: Credit and Debt

Oregon standard	Aligned Rapunzl modules
HS.PFE.A.1Understand components used to build credit and investigate actions that could impact personal credit scores.	The Power & Risks Of Credit
HS.PFE.A.2Compare and contrast various types of consumer credit and the costs and benefits of borrowing money.	The Power & Risks Of Credit
HS.PFE.A.3Analyze the long-term impacts of high and low credit scores.	The Power & Risks Of Credit

HS.PFE.B: Banking, Investing, Saving and Repayment

Oregon standard	Aligned Rapunzl modules
HS.PFE.B.1Describe the roles of various types of financial institutions, and explore products and services provided by these institutions.	ETFs & Mutual Funds The Basics Of Banking
HS.PFE.B.2Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy.	Welcome To The Stock Market What Makes A Good Stock?Diversification & Risk
HS.PFE.B.3Evaluate repayment strategies, risks and costs for various types of consumer credit use, including simple or compound interest calculations.	Saving Versus Investing The Power & Risks Of Credit

HS.PFE.C: Budgeting, Spending and Money Management

Oregon standard	Aligned Rapunzl modules
HS.PFE.C.1Describe budgeting strategies for savings goals, emergency funds, fixed expenses and variable expenses.	Saving Versus Investing Budgeting & SpendingBasics of Budgeting
HS.PFE.C.2Identify and examine the costs and benefits of financial decisions.	Saving Versus Investing Budgeting & SpendingBasics of Budgeting
HS.PFE.C.3Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes.	Saving Versus Investing Budgeting & SpendingBasics of Budgeting

HS.PFE.D: Personal Income, Taxes and Services

Oregon standard	Aligned Rapunzl modules
HS.PFE.D.1Define and identify examples of common types of income.	Saving Versus Investing Taxes & Income
HS.PFE.D.2Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options.	Taxes & Income
HS.PFE.D.3Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability.	Taxes & Income
HS.PFE.D.4Understand common types of federal, state, regional, and local taxes and associated tax-funded services provided.	Taxes & Income

HS.PFE.E: Maintaining Financial Well-being

Oregon standard	Aligned Rapunzl modules
HS.PFE.E.1Analyze the psychology of money through cultural, social, and emotional influences on financial behavior.	Welcome To The Stock Market The Power & Risks Of Credit What Makes A Good Stock?
HS.PFE.E.2Analyze and apply multiple sources of information when making consumer decisions.	Saving Versus Investing The Power & Risks Of Credit
HS.PFE.E.3Understand and apply strategies to prevent fraud and personal identity theft.	The Power & Risks Of Credit The Basics Of Banking The Economy & Federal Reserve

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

Why Oregon schools choose Rapunzl

Rapunzl pairs a standards-aligned curriculum with a real-time investment simulator, so students learn personal finance by making real decisions with simulated $10,000 portfolios priced on live market data — not by reading about it. The curriculum scales from a three-week unit to a 28-week year-long course, which means it fits whichever shape Oregon's requirement takes in your district.

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 an educator dashboard with grade export and standards crosswalks, English and Spanish materials, screen-reader accessibility, and a free national scholarship competition their students can enter each January.