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Delaware Personal Finance Standards & Graduation Requirements

Delaware requires a half-credit standalone personal finance course to graduate, making it the 30th state to guarantee one.

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Delaware at a glance

Requirement: Standalone course required
Legislation or authority: House Substitute 1 for HB 203
Passed: Signed October 9, 2025
Course length: One-half (0.5) credit standalone personal finance course
State standards: Delaware Financial Literacy Standards (DDOE)

Read the official Delaware standards

What Delaware requires

With House Substitute 1 for HB 203, signed October 9, 2025, Delaware became the 30th state to guarantee a standalone personal finance course for high school students.

DDOE is finalizing the standards, the course code, and teacher professional development — NGPF's coverage notes stipends attached to the rollout. HB 203 phases the requirement in over several years, so districts should confirm the exact first affected cohort with DDOE.

Last reviewed against official sources on 2026-07-15.

How Rapunzl maps to Delaware standards

Rapunzl's curriculum is built on the Council for Economic Education's six pillars. Here is how they line up with the Delaware framework.

Delaware strand	CEE pillar	Rapunzl modules
Income & careers	Earning Income	Taxes & Income Careers In Finance
Money management & budgeting	Spending	The Basics Of Banking Buying Your First Home Paying For College
Saving & investing	Investing	Welcome To The Stock Market What Makes A Good Stock?ETFs & Mutual Funds
Credit & debt	Managing Credit	The Power & Risks Of Credit How To Make Loans Work For You
Risk management & insurance	Managing Risk	Diversification & Risk Insurance & Retirement

Educators can request a full Delaware standards crosswalk through the Educator Dashboard.

Standards alignment details: how Rapunzl covers Delaware's personal finance standards

A standard-by-standard look at the Delaware framework. 20 standards are covered across 13 Rapunzl modules; each links to its lesson so you can preview exactly what students learn.

Financial Planning and Decision-Making

Delaware standard	Aligned Rapunzl modules
K-3a: Students will understand that different jobs require different skills.	Taxes & Income Paying For College
K-3b: Students will set goals and develop a plan to achieve them.	Budgeting & Spending
4-5: Students will analyze how choices that individuals make in jobs and careers affect quality of life.	Taxes & Income Paying For College Budgeting & Spending
6-8: Students will analyze the costs and benefits, including higher earning potential, of education or job training.	Paying For College
9-12a: Students will apply problem-solving strategies to assess the consequences of financial decisions.	Welcome To The Stock Market Saving Versus Investing What Makes A Good Stock?Paying For College Budgeting & Spending
9-12b: Students will create an overall financial plan for earning, spending, and saving to achieve personal goals.	Budgeting & Spending

Money Management

Delaware standard	Aligned Rapunzl modules
K-3: Students will examine how planning for spending can help individuals and households make informed choices.	Saving Versus Investing Budgeting & Spending
4-5: Students will establish a budget by setting and prioritizing goals.	Saving Versus Investing Budgeting & Spending
6-8: Students will establish a budget and compare various payment methods.	Budgeting & Spending
9-12a: Students will evaluate the costs and benefits of various payment options while applying money management.	Saving Versus Investing The Power & Risks Of Credit Budgeting & Spending Insurance & Retirement
9-12b: Students will examine how income and credit history influences an individual’s financial opportunities.	The Power & Risks Of Credit Taxes & Income

Saving & Investing

Delaware standard	Aligned Rapunzl modules
K-3: Students will understand that individuals save money to achieve a goal.	Saving Versus Investing The Basics Of Banking
4-5: Students will demonstrate how individuals and households save and invest to increase future income.	Welcome To The Stock Market Saving Versus Investing What Makes A Good Stock?Diversification & Risk The Basics Of Banking
6-8: Students will demonstrate that personal savings and investment grow over time.	Welcome To The Stock Market Saving Versus Investing Diversification & Risk
9-12: Students will evaluate the role of the government and financial markets in savings and investment decisions.	Welcome To The Stock Market Reading Company Financials The Basics Of Banking The Economy & Federal Reserve

Risk Protection

Delaware standard	Aligned Rapunzl modules
K-3: Students will understand that planning for potential and unexpected risks can minimize personal loss or harm.	Diversification & Risk
4-5: Students will understand that individuals can choose to accept financial risk or take action to reduce the risk.	Diversification & Risk
6-8: Students will understand that the rate of return earned from savings and investments will vary.	Welcome To The Stock Market Saving Versus Investing How To Make Loans Work For You Diversification & Risk
9-12a: Students will analyze costs and benefits of various methods of managing risk.	Diversification & Risk
9-12b: Students will analyze how local, state, and federal laws and regulations affect consumers.	Welcome To The Stock Market The Power & Risks Of Credit Taxes & Income Reading Company Financials The Basics Of Banking

Standards alignment for Delaware is provided for planning and is updated annually. Educators can request a formatted Delaware standards crosswalk through the Educator Dashboard.

Why Delaware schools choose Rapunzl

With House Substitute 1 for HB 203, Delaware became the 30th state to guarantee a stand-alone personal finance course, and the DDOE is still finalizing the standards, the course code, and teacher stipends for the rollout. That in-between moment is exactly when curriculum decisions get made. Rapunzl gives the new half credit something to do: a live-market simulator where students manage a $10,000 portfolio, backed by modules that run from a short unit to a full semester. Because the requirement phases in over several years, districts have room to pilot it before the first bound cohort arrives.

100,000+students have completed Rapunzl's curriculum
93%average financial literacy scores on national test over past 5 years, 24% above average
31interactive modules that can be customized into a course progression for your classroom
20+hours of gameplay in 2 interactive mini-games alongside our investment simulator and financial calculators

Teachers get a dashboard that exports grades and crosswalks each lesson to Delaware's financial literacy standards, plus materials in English and Spanish built to work with a screen reader. Students can enter Rapunzl's national scholarship competition every January, which usually turns a required course into one they talk about outside of class.

Delaware personal finance requirement FAQ

Delaware requires a half-credit standalone personal finance course to graduate, making it the 30th state to guarantee one.

The requirement is set by House Substitute 1 for HB 203.

One-half (0.5) credit standalone personal finance course.

Delaware's requirement is a standalone course requirement.

In practice that means a dedicated class of its own, taken for credit, rather than a few personal finance lessons folded into another subject.

Delaware Financial Literacy Standards (DDOE).

Rapunzl's curriculum runs on the Council for Economic Education's six pillars — earning income, spending, saving, investing, managing credit, and managing risk. Delaware's financial literacy standards are organized around the same topics, so the crosswalk above ties each one to the modules that cover it.

Yes. Rapunzl's modules and its live investing simulator cover the six CEE pillars, and those map onto the Delaware strands above, so the new half-credit course has curriculum ready before the standards are even finalized.

Students learn by investing a simulated $10,000 in real market conditions, and teachers run the class from a dashboard with grade export, bilingual materials, and screen-reader support.

Ask for a demo and we'll send the Delaware crosswalk along with classroom access so you can pilot the course during the phase-in.

Bring Rapunzl to your Delaware classroom

Explore the curriculum and real-time simulator free for 30 days. Tell us about your school and we'll send your all-access demo along with the Delaware standards crosswalk.

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