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Financial Education for Teaching in Oregon

Get tools and resources tailored to state of oregon financial literacy standards

Meet your financial literacy curriculum goals.

The courses, resources and tools provided on this page have been selected by OnPoint to support educators building a curriculum that corresponds with the State of Oregon High School Financial Literacy Standards. Select a link below to jump to the individual standard you would like to explore.

Budgeting

Oregon High School Standard 36: Identify and explain strategies for creating a budget that balances income and expenses and encourages saving for emergencies and long-term financial goals, such as retirement.

Creating a budget video screen shot "control your money"

Creating a Budget
(and Sticking to It)

Length: 15 minutes

Using a short video and two interactive exercises, students will learn about budgeting components, evaluating needs vs. wants, analyzing spending behaviors and understand how to create and why you need a personal budget. This course includes quizzes with immediate feedback.

Image from "Creating a financial plan" video.

Creating a Financial Plan for Your Priorities and Goals

Length: 20 minutes

In this course, students will learn how personality factors into financial success, why it’s important to have a financial wellness plan, how to set effective financial goals, when to consult a financial professional and more. This course includes an interactive exercise, a short video, and quizzes with immediate feedback.

Using your emergency fund: the difference between an emargency and a non-emergency

Setting Up an Emergency Fund

Length: 30 minutes

Students will learn what an emergency fund is used for, why it’s important, how much to save, ways to grow the emergency fund faster, defining emergency vs. non-emergency and more. This personalized course includes an on-demand video, two interactive courses, and quizzes with immediate feedback.

Making Spending Decisions

Students will learn about the PACED decision-making model to help make informed spending choices. This activity challenges students to complete the “Making spending decisions” worksheet with spending scenarios and encourages discussion to reflect and share thoughts about spending decisions made with the PACED model.

Creating a Buying Plan

A buying plan can support the purchase of expensive products or services. In this exercise, students will create buying plans for two big-ticket items they may purchase in the future. They will also write an advice column with answers to readers’ questions on the topic.

Budgeting for a Fun Trip or Event

When planning for a trip or an event, creating a budget ahead of time can help keep your expenses under control. Students will work with a partner to plan a budget for an overnight trip to a city or rural setting and reflect on the planning and budgeting process as a way to manage money.


Financial Institutions

Oregon High School Standard 34: Identify financial institutions in the community and their purpose (such as banks, credit unions, consumer/business loans, deposit insurance, investments/trust services, non-traditional banking).

Illustration of woman in front of large bank with options shown below of traditional bank, credit union, and online-only bank.

Banking with Financial Institutions

Length: 15 minutes

In this personalized course, students will learn about different types of financial institutions and basic money managing strategies using checking and savings accounts. Students will also learn how to choose a financial institution and prevent common banking mishaps.

Young woman withdrawing money at the ATM

How to Choose the Best Bank for Your Personal Finances

Length: 2 minutes

This article helps students understand different factors and options to consider—such as fees, minimum balance requirements and customer service—when deciding on a financial institution.

Illustration of Venn Diagram to depict differences and similarities between banks and credit unions

Banks and Credit Unions

Length: 90-120 minutes (up to 2 class periods)

Students learn about banks and credit unions, identifying similarities and differences between the two types of financial institutions. They also evaluate a local bank and credit union to determine which one would be better suited to their needs.

Graphic depicting investment accounts with illustrated piggy bank and line graph

Services Beyond Checking and Savings

Length: 3 minutes

In addition to checking and savings accounts, financial institutions offer a range of more specialized services to help people manage, protect and grow their money. This video reviews some of these services such as retirement and investment accounts, loans and lines of credit, and insurance.


Fraud Protection

Oregon High School Standard 32: Evaluate how consumers can protect themselves from fraud, identity theft, predatory lending, bankruptcy and foreclosure.

Illustration of thief at laptop with title "Identity Theft (2000s - Today)"

Protecting Yourself From Identity Theft and Scams

Length: 20 minutes

In this personalized course, students will learn how to assess their risk for identity theft or fraud, practice safe behavior online and identify and avoid scams and threats, protect sensitive documents and records, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.

Illustration of credit report with overdue stamp

Cybersecurity and Personal Finance: Identity Theft

Length: 90-120 minutes (up to 2 class periods)

Students will learn the importance of protecting themselves from identity theft and determine how this relates to fraud. Students will discuss how to protect themselves from identity theft and how it applies to the use of credit cards and other personal information such as Social Security numbers and passwords. This course includes classroom activities, videos and an assessment.

Illustrated icons of marionette hand over dollar sign, hand with mobile phone, and bar graph depiciting increase

Common Types of Scams

Length: 2 minutes

This article from the Consumer Financial Protection Bureau outlines some of the most common types of scams and includes links to other articles with more details about each scam.

How Can I Protect Myself From Fraud?

Length: 2 minutes

This article from the Consumer Financial Protection Bureau offers steps students can take to protect themselves and others from fraud and scams. The article includes links to guides and other resources that identify the most recent known scams.

Getting Out of Debt (and Avoiding it in the Future)

Length: 45 minutes

In this course, students will learn about different types of debt, how to recognize and avoid debt relief scams, how to recognize when they may have excessive debt, strategies for getting out of debt, and more. This course includes on-demand videos and quizzes with immediate feedback.

Why Declare Bankruptcy if You're Not Broke

Length: 2 minutes

This article defines the different types of bankruptcies and explains the benefits, drawbacks and scenarios for considering each type.

How to Avoid Foreclosure

Length: 4 minutes

This video explains foreclosure and discusses the most common solutions that people seek out to avoid losing their home.


Insurance

Oregon High School Standard 31: Explain and analyze the kinds and costs of insurance as a form of risk management (e.g., auto, health, renters, home, life, disability).

Illustrated graphic of flyer with classic automobile and headline: Insure - It's the law!

Overview and Concept of Insurance

Length: 10 minutes

In this personal finance video, students will learn about the concept of insurance and play a Kahoot! game. Students will learn how insurance involves paying a premium at regular intervals, with the understanding that if negative events occur, the insurance company will pay certain costs. Note: students will need a Kahoot login to access the interactive quiz.

Icons of cars, with one circled and a woman pointing at it.

How Insurance Markets Pool Risk

Length: 60 minutes

Students will be able to explain how insurance markets pool the risk associated with individual drivers. Using group and individual activities, extensions and an assessment, students will participate in insurance pools to learn how car insurance markets deal with risks.

Why Do I Need Insurance? Illustration of protection shield over building, pet car, and health care icons.

Assessing Your Insurance Needs

Length: 45 minutes

In this comprehensive course about insurance, students will learn about basic insurance terms, why insurance is needed, how insurance safeguards their financial future, the cost of being uninsured, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.

Everything You Need to Know About Insurance

Length: 7 minutes

In this article, students will learn how insurance minimizes financial liability in the case of a catastrophe and provides peace of mind. The article also covers assessing individual needs in order to determine what types of insurance should be purchased.

Long-Term Care Insurance

Length: 10 minutes

Long-term care is any kind of medical care that requires an extended period of constant care. In this article, students will learn about long-term care insurance, the costs involved, what to consider before purchasing, features of long-term care insurance, and more.

Understanding Health Insurance

Length: 35 minutes

This course describes the variety of different health insurance options available. Students will learn how health insurance works, the basic components of a healthcare plan, why they need health insurance, the different types of providers, using an HSA as a savings tool, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.


Loans

Oregon High School Standard 37: Compare and contrast the various types of loans available, how to obtain them and the function of compounding interest, and explain the costs and benefits of borrowing money for post-secondary education.

icons of calendar, student loan paperwork, cash, and graduation hat

Borrowing Smart and Preparing for Higher Education

Length: 20 minutes

This course provides students with key information about borrowing for college. Students will learn about federal student loan basics, PLUS loans, how to use the NSLDS, eligibility guidelines, loan fees and interest, the 150% rule, smart borrowing and alternate sources of funding, and more. This course includes quizzes with immediate feedback.

Public Service Loan Forgiveness (PSLF). Graphic of "3,100" and a "FORGIVEN" stamp

Repaying Your Student Loans

Length: 18 minutes

Through a personalized course setup, students will learn how to use the NSLDS, options for student loan repayment, strategies for managing student loan debt, deferment and forbearance, loan discharge eligibility, and more. This course includes quizzes with immediate feedback.

family stands at the doorstep of their new home

Buying a Home and Understanding Mortgages

Length: 18 minutes

Through a personalized course setup, students will learn about mortgage qualification and the application process, homeowners insurance, types of mortgage options, steps and timeline involved in buying a home, calculating how much home they can afford, and more. This course includes quizzes with immediate feedback.

Car ownership essentials

Buying or Leasing a Car

Length: 35 minutes

Through a personalized course setup, students will learn how to research different vehicles, how to assess their car budget, how to assess their wants versus needs in a car, auto insurance considerations, car ownership costs, comparing the value of new and used cars, and more. This course includes quizzes with immediate feedback.

Additional Support Tools


Taxes

Oregon High School Standard 38: Identify goods and services funded through local taxes and assess the effects of taxes on personal income.

Close up of calculator and tax form

Tic, Tac, Taxes

Length: 60 minutes (about 1 class period)

Students will be able to understand the reason for taxes and evaluate which goods and services are provided by business and which by governments.

An old and worn sign for Income Tax Service

Most Common Taxes

Length: 4 minutes

This article reviews common taxes – such as income tax, taxes on property and goods, and estate and inheritance taxes – and how they can impact individuals.

Understanding your paycheck and W2 - illustration of woman and man standing at mail box holding mail or paycheck and file folder

Understanding Your Paycheck and W2

Length: 18 minutes

Through a personalized course setup, students will learn how different types of workers are paid, how to decode their paycheck, types of employment forms, how taxes affect their paycheck, and more.

An itemized earnings statement showing earnings and deductions, on a desk with a calculator and pen.

Paycheck Analyzer

Length: N/A

This tool helps students calculate “take home” pay in order to understand how payroll taxes and deductions affect a paycheck.


External Factors

Oregon High School Standard 39: Analyze how external factors such as marketing and advertising techniques might influence spending and saving decisions.

Young woman sitting on the sofa, watching TV at home and enjoying.

Be an Ad Detective

Length: 60 minutes (about 1 class period)

Students search for new places where advertisers promote their products. They also investigate tools used by advertisers to develop brand awareness.

Like and share social media. Hands holding smartphone with social media network icons.

How Social Media Sites Make Money

Length: 2 minutes

This article shares how social media sites make money off consumers, describes the concept of data mining, and reviews how students can protect their privacy.

A smiling group of young adults have fun shopping for retro and vintage clothing styles.

Stop Emotional Spending

Length: 2 minutes

Although some students might describe it as “retail therapy,” it’s more commonly known as emotional spending. This article shares eight ways to help curb these habits.

Teenage girl making online payments with credit card

How to Avoid Impulse Spending in College

Length: 2 minutes

This article encourages students to be thoughtful with their spending and shares tips such as creating a budget, stopping online browsing and leaving credit cards at home.


Investments

Oregon High School Standard 35: Compare and contrast different investment options in weighing risk versus return to meet financial goals for long- term investing.

teen girl putting dollar banknote into saving glass jar

All Saving Choices Involve Risk

Length: 20 minutes

In this lesson plan, students evaluate various alternatives for saving money and learn the risks involved with each choice. Students explain the advantages and disadvantages of savings alternatives using the criteria of safety, reward, ease of getting cash, and ease of opening an account. This lesson includes two classroom activities.

Illustration of safe, piggy bank and wallet, with title "Are you ready to invest?"

Investing to Build Wealth

Length: 30 minutes

Students will learn about basic investing terms and principles, general strategies, which entities shape the investing industry, the balance of risk and return, and more. This personalized course includes quizzes and provides immediate feedback.

Loose change inside glass jar to represent retirement savings for Social Security

8 Things to Know About Social Security

Length: 2 minutes

This article shares insights about the Social Security program, the importance of Social Security, and how and when to take advantage of Social Security benefits.

Illustrated grapic with the following tet: If you can put away just $50 per month, starting when you're 20, by age 30 you'll have saved $77,50. If you can put away $150 per month, starting when you're 20, by age 30 you'll have saved $23,249.

Planning for Retirement

Length: 35 minutes

Students will learn about various financial vehicles to help save for retirement, the importance of planning early for retirement, how compound interest works, how they can evaluate their own retirement readiness, and more. This personalized course includes interactive exercises and quizzes with immediate feedback.


Please check back frequently

We strive to provide valuable resources to help you meet your curriculum goals. We will continue to add more resources covering additional financial literacy state standards and competencies.

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