Oregon
9th-12th Grades
State Standards
Credit Requirements (Senate Bill 3)
Personal Financial Education Credit Requirement
Credit scores, including how to build credit, the costs and benefits of borrowing money on credit and the long-term impacts of high or low credit scores;
Investments, asset building and debt, including how to open a bank account, different types of bank accounts, compound interest, the total cost of loan repayment, comparing investment options and types of investments and understanding different types of retirement accounts;
Strategies for creating a budget, tracking and modifying spending patterns and understanding insurance products, including exploring common costs associated with rentals and home ownership;
Taxes, including accessing tax credits, understanding tax cycles, being familiar with state and federal tax forms and being familiar with federal, state, regional and local taxes;
Building financial well-being, including evaluating the impact of behavioral economics and the psychology of money, explaining trends in financial health and evaluating consumer skills, including fraud and identity theft prevention.
Higher Education and Career Path Skills Credit Requirement
Applying for jobs, including preparing a resume or filling out a job application and developing job interview skills;
Applying for admission to a post-secondary institution of education, including applying for financial aid and scholarships;
Applying for post-secondary learning and job training opportunities and programs that do not require a four-year degree, including apprenticeships and how to meet the prerequisites for those opportunities and programs;
Developing career-related skills, including improving employability skills, taking advantage of community-based experiential learning and gaining knowledge of career opportunities; and
Seeking assistance, including accessing community resources and acting as a self-advocate for mental, physical and financial well-being.
High School Higher Education and Career Path Skills Standards
HS.HECPS.ASeeking Assistance and Self-Advocacy
HS.HECPS.A.1Explore how personal strengths, aptitudes, interests and values connect with future career paths.
HS.HECPS.A.2Identify school and community resources for mental, physical and financial well-being, including an understanding of how to seek assistance.
HS.HECPS.A.3Understand the rights and responsibilities that come with being a student and member of communities and organizations.
HS.HECPS.A.4Practice self-advocacy by communicating needs clearly in writing and speaking, expressing concerns, and seeking out support when necessary.
HS.HECPS.BCareer Exploration and Preparation
HS.HECPS.B.1Practice employability skills necessary to effectively self-manage and collaborate with others in a workplace setting.
HS.HECPS.B.2Understand the diverse range of career pathways available, including, but not limited to, apprenticeships, military service, higher education, trades and non-degree programs.
HS.HECPS.B.3Explore local opportunities and benefits for participating in career-connected and community-based experiential learning related to future goals.
HS.HECPS.CPostsecondary Readiness
HS.HECPS.C.1Explore postsecondary educational and career pathways, and identify necessary training, education, skills, and prerequisites aligned with aspirations.
HS.HECPS.C.2Research admission processes for postsecondary pathways and practice applying to apprenticeships, military service, higher education, trades, and non-degree programs.
HS.HECPS.C.3Investigate strategies for making well-informed financial decisions about postsecondary pathways, including how to navigate financial aid options (i.e., FAFSA, ORSAA), application processes, and a variety of credible funding sources and scholarships.
HS.HECPS.DWorkforce Readiness
HS.HECPS.D.1Prepare to apply for an entry-level job related to future career goals.
HS.HECPS.D.2Prepare a resume and cover letter and determine what to include in a professional portfolio.
HS.HECPS.D.3Demonstrate interview skills in virtual and in-person settings.
HS.HECPS.D.4Navigate and negotiate offers of employment including human resource paperwork.