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Financial Literacy in Kansas

Kansas State Department of Education has developed this webpage to offer support to local school districts concerning personal financial literacy instruction for K-12 schools.

Personal Financial Literacy

Personal Finance Refers to the principles and methods that individuals use to acquire and manage income and assets, but personal financial literacy means individuals know how these skills apply to their lives now and in the future with habit change the key. Some use the term financial literacy, which means the ability to use knowledge and skills to manage one’s financial resources effectively for lifetime financial security, which is more inclusive of all financial aspects, not just personal finance. (source: www.jumpstart.org)

KSDE has partnered with several non-profits to offer teacher training and guidance including: Kansas Council for Economic Education (http://www.kcee.wichita.edu); Federal Reserve Bank of Kansas City (https://www.kansascityfed.org/); Kansas State University Research and Extension (https://www.k-state.edu/family-finances/); and the Kansas Jump $tart Coalition (http://www.jumpstart.org/states-kansas.html).

Financial Literacy Standards

The Jump $tart National Standards in K-12 Personal Finance Education were developed through the involvement of professionals across multiple financial literacy platforms. After review by KSDE, it was deemed appropriate for Kansas and were adopted as the Kansas financial literacy K-12 standards. (For more information: http://www.jumpstart.org/)

New National Standards for Personal Financial Education
If you would like to share a comment about the new standards, please go to the Curricular Standards Feedback Form.

Summary of National Standards for Personal Financial Education

Q:    What are the overall standard areas?
A:    1. Spending and Saving
        2. Credit and Debt
        3. Employment and Income
        4. Investing
        5. Risk Management and Insurance
        6. Financial Decision Making

Q:    What is meant by K-12 standards?
A:    The National Jump $tart standards  are used as a guide for instruction. They are indicated for  Kindergarten, 4th, 8th  and 12 grades, however should be referenced to determine all K-12 financial literacy instruction to determine grade appropriateness.

Recognition of Standards

The following describes how KSDE recognizes the standards for personal financial literacy:

  • Business - includes finance competencies as they related to business, finance and entrepreneurship;
  • Family and Consumer Sciences - teaches financial literacy skills directly. The consumer and personal finance course competencies address financial issues and consumer rights and responsibilities as it relates to individual and family decision making and lifespan goal setting;
  • Mathematics - provides prerequisite number sense and computation skills students need to study financial literacy; and
  • Social Studies - provides a context for the importance of financial literacy and economics; though not aimed at personal financial literacy in particular, it provides for the development of parallel concepts.

Q:    Who can I go to if I want more information?
A:    Helen Swanson, Family and Consumer Sciences: hswanson@ksde.org, (785) 296-4912
        Natalie D. Clark, Business: ndclark@ksde.org

K-12 Classroom Resources

A common question is where to find quality resources to use in developing financial literacy skills within the K-12 Kansas classroom. This is an important question, but before a decision is made, one should ask questions when looking at any teaching resource.

If you can say "yes" to all the questions below, you have found a quality resource:
1. Is content accurate and standard and/or competency based aligned?(Refer to www.jumpstart.org/national-standards.html, FCS, Social Studies and/or Business standards.)
2. Are support materials free from bias and embrace diversity in activities, photos, discussions and etc.?
3. Are assessments designed (both formative and summative) to assess student mastery, allowing for modification as needed?
4. Is information shared relevant to grade level course/program objectives?
5. Is the Instructional design research-based and/or evidence-based, age appropriate, and allows for multiple learning styles? (NOTE: Research should be educationally sound.)

A financial literacy resource list has been developed to provide a place to begin. The resources included have been used in KS K-12 classrooms. An indication of grade level, content and related information has been included for your review.

Education Program Consultant
Family and Consumer Sciences 

Helen Swanson
(785) 296-4912

Business Education

Natalie D. Clark

Deputy Commissioner
Division of Learning Services
Brad Neuenswander
(785) 296-2303

Career, Standards and Assessment

Scott Smith
(785) 296-3142

Assistant Director
Career and Technical Education

Stacy Smith
(785) 296-4351

Assistant Director
Curricular Standards
David Fernkopf
(785) 296-8447

Assistant Director
Beth Fultz
(785) 296-2325

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