State review · Data version 1.0 · October 2026

Florida

K-8 standards only

Florida's Next Generation Sunshine State Standards for Social Studies include a Financial Literacy strand with benchmarks in grades 4 and 8, and Section 1003.42 requires instruction designed to meet State Board social studies standards. The statute text read does not name financial literacy as required instruction in any K-8 grade; the half-credit personal financial literacy course is a high school graduation requirement.

Statuses come from published law and standards and an automated second check, not a lawyer. Last verified: 2026-10-15. Report a correction

What the law says

Grades K-8

Grades where K-8 content was confirmed: 4, 8
Standards document: Next Generation Sunshine State Standards for Social Studies (Financial Literacy strand added, revised June 2014) (2014)
Required by law: No
Delivery: Embedded in another subject
Assessed: Not determined
Funded: Not determined

The 2014 standards document read lists Financial Literacy strand benchmarks (SS.4.FL and SS.8.FL) within the social studies standards for grades 4 and 8. Section 1003.42(1)(a) requires districts to provide instruction designed to ensure students meet State Board adopted standards in social studies, which is a general subject-level requirement and does not name financial literacy or a K-8 grade. Whether these 2014 benchmarks remain the current version, and whether other K-8 grades carry financial literacy benchmarks, was not confirmed because fldoe.org and CPALMS standards pages could not be read. Treat as a judgement call.

Grades 9-12

Graduation requirement: Yes
Course length: One-half credit in personal financial literacy and money management
Effective date: Students entering grade 9 in the 2023-2024 school year and thereafter

Section 1003.4282(3)(h) lists topics including bank accounts, balancing a checkbook, money management, credit and debt, and completing a loan application.

What’s missing for K-8

State standards include personal finance in K-8, but the sources reviewed did not show a requirement to teach it.

Pending bills

No pending bills were identified. This is not an exhaustive legislative search.

How to read the status

Status key

K-8 requirement: A statute or rule requires financial education in at least one grade from K to 8.
K-8 standards only: State standards or frameworks include personal finance in K-8, but no mandate to teach it was found.
High school only: A requirement or graduation course exists only in grades 9-12. No K-8 requirement was found.
Study or pilot only: A task force, study, pilot, or unfunded permission exists, without a requirement.
None found: No state-level requirement or standards were found. The searches run are recorded.
Under review: Not yet confirmed. Sources found so far are shown and no status is stated.
Research in progress: This state has not been researched yet.

Sources

The Florida Senate (Online Sunshine, Florida Statutes). Fla. Stat. s. 1003.4282(3)(h) (2025). Primary source. Retrieved 2026-10-15.
“Beginning with students entering grade 9 in the 2023-2024 school year, each student must earn one-half credit in personal financial literacy and money management.”
The Florida Senate (Online Sunshine, Florida Statutes). Fla. Stat. s. 1003.41(2)(d) (2025). Primary source. Retrieved 2026-10-15.
“Social Studies standards must establish specific curricular content for, at a minimum, geography, United States and world history, government, civics, humanities, economics, and financial literacy.”
The Florida Senate (Online Sunshine, Florida Statutes). Fla. Stat. s. 1003.42(1)(a) (2025). Primary source. Retrieved 2026-10-15.
“appropriate instruction designed to ensure that students meet State Board of Education adopted standards in the following subject areas”
Florida Department of Education. NGSSS Social Studies, Financial Literacy strand, Grade 4, benchmark SS.4.FL.3.1 (revised June 2014). Primary source. Retrieved 2026-10-15.
“SS.4.FL.3.1 Identify ways that income is saved, spent on goods and services, or used to pay taxes.”
Florida Department of Education. NGSSS Social Studies, Financial Literacy strand, Grade 8, benchmark SS.8.FL.3.5 (revised June 2014). Primary source. Retrieved 2026-10-15.
“SS.8.FL.3.5 Identify principal as the initial amount of money upon which interest is paid.”
Florida Department of Education. NGSSS Social Studies, Addition of Financial Literacy Strand, History section (revised June 2014). Primary source. Retrieved 2026-10-15.
“The addition of a Financial Literacy strand is required by legislation passed in 2013 amending s. 1003.41, F.S.”

Open items are being reviewed.

The text of ss. 1003.42 and 1003.41 was searched for financial and economic terms; neither names a K-8 financial literacy instruction requirement. Pending bills not searched reliably for the current session (flsenate.gov bill search not used), so pending_bills is empty. www.fldoe.org robots.txt returned Access Denied, so the standards PDF was read from cdn.fldoe.org, whose robots.txt allows all paths. CPALMS standards pages load content dynamically and could not be read. The Florida Administrative Code rule adopting the standards (State Board rule) was not located. Standards PDF read is the 2014 revision; later B.E.S.T. revisions to social studies were not verified.

Suggested citation
CENTS. Florida: K-8 financial education. State-by-state review, v1.0, October 2026. https://centscampaign.org/states/fl