Financial Literacy Mandatory in Texas Schools

August 6, 2025 – Effective immediately, Texas public high school students are now required to complete a course in personal financial literacy before graduation. This mandate comes through House Bill 27, which requires a one-half credit in the subject as part of the state’s graduation requirements.

The goal of the new course is to equip students with real-world knowledge about managing money, including topics like budgeting, saving, credit, debt, taxes, and basic financial planning. Lawmakers and educators say the course is designed to help young Texans make informed financial decisions as they transition into adulthood, whether they go to college, join the workforce, or start their own businesses.

By introducing financial concepts early, the course aims to reduce long-term issues such as personal debt, bankruptcy, and reliance on high-interest loans. Students will also learn about student loans, mortgages, interest rates, and how to build and maintain good credit.

House Bill 27 reflects growing concerns that many students graduate high school without the skills needed to manage personal finances effectively. With this new requirement, Texas joins a growing number of states that are prioritizing financial education as part of core learning. Schools will begin implementing the curriculum in the 2025–2026 academic year.