North Carolina HB 924, Personal Finance Graduation Requirement

North Carolina requires it.
We teach it.

North Carolina requires a personal finance course for every public high school student. Below is the complete alignment between The Crescara//Project curriculum and North Carolina's personal finance education standards.

The Law

What HB 924 actually requires.

North Carolina signed HB 924 in 2022, requiring a Personal Finance and Financial Planning course for all public high school students, starting with the graduating class of 2024. The course covers personal finance, financial planning, economics, and consumer skills, with a focus on practical knowledge students can use after graduation.

North Carolina's requirement is already fully in effect. Schools need a curriculum that delivers real results, not just checkbox compliance. The Crescara//Project is the most comprehensive personal finance curriculum available: 27 chapters, interactive tools, and built-in habit reinforcement across every content area NC requires.

2022
Year North Carolina signed HB 924, establishing a personal finance and financial planning graduation requirement
2024
Graduating class for which North Carolina's personal finance requirement first applied to all students
11 Required Content Areas
Every content area in this state's personal finance standards is covered across Units 1, 2, and 3 of The Crescara//Project.
Full Curriculum Alignment

Every required topic. Covered.

HB 924 Required Topic
Crescara//Project Coverage
Unit
Income and Employment
Ch. 2 Paycheck and Benefits, Ch. 10 Career and Resumes, Ch. 11 Negotiating
Units 1 and 2
Taxes
Ch. 13 Taxes, what a paycheck actually takes, why, and how to file
Unit 2
Budgeting and Money Management
Ch. 3 Budgeting, Ch. 4 Know Where Your Money Is, Ch. 5 Exponential Growth of Money
Unit 1
Saving and Building Wealth
Ch. 5 Exponential Growth of Money, Ch. 6 Banks and Accounts, Ch. 23 High Yield Savings, CDs, and Treasuries
Units 1 and 3
Credit and Debt
Ch. 12 Credit Scores, Ch. 14 Interest Rates, Ch. 16 Credit Cards, Ch. 17 Student Loans
Unit 2
Banking and Financial Services
Ch. 6 Types of Banks, Credit Unions, and Accounts, Ch. 26 Platform Simulations
Units 1 and 3
Insurance and Risk Management
Ch. 18 Healthcare and Disability, Ch. 24 Life Insurance, plus the Consequence Engine insurance scenarios
Units 2 and 3
Investing
Ch. 19 Investment Overview, Ch. 20 Stocks and Bonds, Ch. 21 Funds, Ch. 22 Costs of Investing, Ch. 26 Brokerage Platforms
Unit 3
Housing and Real Estate
Ch. 15 Car and Home Loans, buying vs. renting, mortgage basics, total cost of homeownership
Unit 2
Consumer Rights and Responsibility
Ch. 15 reading fine print, borrower rights, total cost of borrowing, Ch. 7 Psychology of Money
Unit 2
Financial Goal Setting
Ch. 8 Setting Goals, Ch. 7 Psychology of Money, Ch. 9 How to Build Wealth, Ch. 27 Capstone
Units 1 and 3
Beyond Compliance

Meeting the mandate is the floor. We teach past it.

HB 924 sets the minimum. A checklist of topics is not a curriculum. The Crescara//Project sequences North Carolina's required content areas in the order students will actually encounter them in life, connects them to each other, and builds habits through repetition, not review sheets.

You can't teach investing without first teaching budgeting. You can't teach credit without first teaching income. The sequence is the curriculum.

Personalized by geography
Content adapts to each student's real financial context. A student in rural North Carolina and a student in a major city are not facing the same realities.
Habits built in, not bolted on
Budgeting, saving, reading fine print, reinforced across all three units through the Consequence Engine, not addressed once in a single chapter.
Zero prior knowledge assumed
Every concept is introduced from scratch. Teachers do not need a financial background. Students do not need one either.
Ready to meet the mandate?

The curriculum is ready now.

North Carolina schools that connect now will be ahead of the requirement. Reach out at info@crescaraproject.org.

crescaraproject.org , © 2026 The Crescara//Project , Privacy Policy