Previous to 2024, Oklahoma high school students had fulfill the requirements of a personal financial literacy passport prior to graduation. The requirements for doing so were “satisfactory completion in all areas of instruction in personal financial literacy,” which were 14 topics listed in 2007 House Bill 1476. “Personal financial literacy instruction shall be integrated into one or more existing courses of study or provided in a separate personal financial literacy course… The State Board of Education shall identify and adopt curriculum standards for personal financial literacy instruction” that should be “incorporated into the state academic content standards.” The law applied to Grades 7-12. In 2024 legislation changed this, expanding topics that must be covered and requiring a financial literacy course or coursework embedded into other subjects to be completed in the 10th, 11th, or 12th grade as a condition of graduation; the law takes effect July 2025.

   Academic standards for personal finance in grades 7-12 were released in 2024. While the Oklahoma Academic Standards for Social Studies include specific economics standards for each grade, there are not personal finance concepts embedded into the elementary standards beyond basic economic topics. This means Oklahoma students are not guaranteed financial literacy instruction until grades 7-12. 

   The Oklahoma Department of Education has a dedicated Personal Financial Literacy Page with personal financial literacy curriculum, teacher guides, and resources.

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Although Oklahoma provides substantial financial literacy standards in middle and high school as well as requiring personal finance coursework for graduation, it receives a “C” as there are no financial literacy standards for Grades K-6. In order to improve its grade, Oklahoma needs to add K-6 grade-specific standards and require only a stand alone personal finance course as opposed to allowing coursework to be embedded into other subjects.