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Financial Literacy Now: New York


Financially Fluent and Financially w!se

Personal finance instruction can significantly reduce the number of young people who are dropping out of college due to personal debt or filing for personal bankruptcy. The Working in Support of Education (w!se) Financial Literacy Certification Program, an innovative model, addresses this issue by fostering personal finance instruction, providing validated, reliable and standardized assessments and rewarding achievement.

Participating high schools teach personal finance and administer w!se’s national Financial Literacy Certification Test (CFL Test). w!se provides educational resources, a pre-test, online practice tests, the Certification Test, and an annual MoneyPOWER Conference on personal finance content and instructional strategies. Students who pass the paper-based or online test are "Certified Financially Literate" (earning their CFL). The program is now in 20 states and has been widely recognized for its outcomes including consistent statistical improvement between pre and certification test results as well as changed financial behavior. w!se is the recipient of the 2007 US Treasury Department’s John Sherman Award for Excellence in Financial Education.

Teachers thank w!se for "invaluable resources and support in making students financially savvy." One teacher reported that "a student helped his parents save money on their auto insurance by changing the deductable," while another said "this has been the best support program and resource base I have ever encountered in my 23 years of teaching business and I have seen a lot! Please visit

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