Rhode Island, Financial Literacy Graduation Requirement

Rhode Island requires it.
We teach it.

Rhode Island requires a personal finance course for every public high school student. Below is the complete alignment between The Crescara//Project curriculum and Rhode Island's personal finance education standards.

The Law

What Rhode Island RIGL §16-22-13 actually requires.

Governor Dan McKee signed Section 16-22-13 of the Rhode Island General Laws in June 2021, requiring new personal finance standards and demonstrated proficiency as a condition of high school graduation. Rhode Island's financial literacy graduation requirement went into effect for the class of 2024, mandating that all students demonstrate proficiency in financial literacy before they can graduate. Rhode Island's approach emphasizes demonstrated competency, not just seat time, making it one of the more rigorous financial literacy mandates in the country.

Rhode Island schools need a curriculum that actually produces competency, not just completion. The Crescara//Project builds financial literacy through repetition, interactive tools, and real-world application, meeting Rhode Island's proficiency standard through a program that teaches students to actually use what they learn.

2022
Year Rhode Island signed its financial literacy graduation requirement into law
2024
Graduating class for which Rhode Island's financial literacy requirement first took effect
10 Required Content Areas
Every content area in this state's personal finance standards is covered across Units 1, 2, and 3 of The Crescara//Project.
Full Curriculum Alignment

Every required topic. Covered.

Rhode Island RIGL §16-22-13 Required Topic
Crescara//Project Coverage
Unit
Income and Employment
Ch. 2 Paycheck and Benefits, Ch. 10 Career and Resumes, Ch. 11 Negotiating
Units 1 and 2
Taxes
Ch. 13 Taxes, what a paycheck actually takes, why, and how to file
Unit 2
Budgeting and Money Management
Ch. 3 Budgeting, Ch. 4 Know Where Your Money Is, Ch. 5 Exponential Growth of Money
Unit 1
Saving and Building Wealth
Ch. 5 Exponential Growth of Money, Ch. 6 Banks and Accounts, Ch. 23 High Yield Savings, CDs, and Treasuries
Units 1 and 3
Credit and Debt
Ch. 12 Credit Scores, Ch. 14 Interest Rates, Ch. 16 Credit Cards, Ch. 17 Student Loans
Unit 2
Banking and Financial Services
Ch. 6 Types of Banks, Credit Unions, and Accounts, Ch. 26 Platform Simulations
Units 1 and 3
Insurance and Risk Management
Ch. 18 Healthcare and Disability, Ch. 24 Life Insurance, plus the Consequence Engine insurance scenarios
Units 2 and 3
Investing
Ch. 19 Investment Overview, Ch. 20 Stocks and Bonds, Ch. 21 Funds, Ch. 22 Costs of Investing, Ch. 26 Brokerage Platforms
Unit 3
Consumer Rights and Responsibility
Ch. 15 reading fine print, borrower rights, total cost of borrowing, Ch. 7 Psychology of Money
Unit 2
Financial Goal Setting
Ch. 8 Setting Goals, Ch. 7 Psychology of Money, Ch. 9 How to Build Wealth, Ch. 27 Capstone
Units 1 and 3
Beyond Compliance

Meeting the mandate is the floor. We teach past it.

Rhode Island RIGL §16-22-13 sets the minimum. A checklist of topics is not a curriculum. The Crescara//Project sequences Rhode Island's required content areas in the order students will actually encounter them in life, connects them to each other, and builds habits through repetition, not review sheets.

You can't teach investing without first teaching budgeting. You can't teach credit without first teaching income. The sequence is the curriculum.

Personalized by geography
Content adapts to each student's real financial context. A student in rural Rhode Island and a student in a major city are not facing the same realities.
Habits built in, not bolted on
Budgeting, saving, reading fine print, reinforced across all three units through the Consequence Engine, not addressed once in a single chapter.
Zero prior knowledge assumed
Every concept is introduced from scratch. Teachers do not need a financial background. Students do not need one either.
Ready to meet the mandate?

The curriculum is ready now.

Rhode Island schools that connect now will be ahead of the requirement. Reach out at info@crescaraproject.org.

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