State review · Data version 2026.10.19.5 · October 2026

New Hampshire

Requirement, grades not specified

New Hampshire RSA 189:10, III says the school board shall ensure that personal finance literacy instruction is taught as part of the curriculum, and it names no grade. RSA 193-E:2-a lists personal finance literacy among the learning areas for which schools shall adhere to the state standards.

Statuses come from published law and standards and an automated second check, not a lawyer. Last verified: 2026-10-19. Report a correction

What the law says

Requirement coverage

Earliest grade covered: Not specified
Grade range: No grade or grade range is named

Describes the instruction requirement found in law, not the standards. It may reach at least one grade before ninth (the earliest grade is shown, and some start only in grade 6 or 7), no grade at all (not specified), or high school only. \u201cOffer courses\u201d means the law says districts must offer the courses or instruction, not that every student must receive it.

Grades K-8

Grades where K-8 content was confirmed: None found
Standards document: None found
Required by law: Not determined
Delivery: Embedded in another subject
Assessed: Not determined
Funded: Not determined

RSA 189:10, III and RSA 193-E:2-a, I(a)(10) are grade-neutral; RSA 193-E:2-a, II says the standards cover kindergarten through twelfth grade and III says public schools shall adhere to them. Ed 306.21(c) lists subjects for grades 1-8 and middle school without personal finance (social studies is listed as civics for grades 1-8 and civics, government, economics, geography and history for middle school). Ed 306.37(b) aligns social studies to the 2006 K-12 Social Studies Curriculum Framework, which could not be read, so K-8 personal finance standards content is unconfirmed. Ed 306.22(e)(16), Ed 306.23 and Ed 306.28(c) are high school provisions.

Grades 9-12

Graduation requirement: Yes
Course length: Half credit of financial literacy (Table 306-2)
Effective date: Students entering high school beginning in the 2026-2027 school year

Ed 306.23(h), Table 306-2: Financial literacy half credit. Ed 306.28(c) requires each district to establish competencies and curriculum for personal finance literacy covering earning income, spending, saving, credit and risk (rule titled Business Education Program).

What’s missing for K-8

The sources reviewed show a requirement to provide personal-finance instruction that names no grade, so it is not confirmed to reach K-8.

Pending bills

No pending bills were identified. This is not an exhaustive legislative search.

How to read the status

Status key

Requirement before grade 9: A statute or rule requires financial education and reaches at least one grade before ninth. Some start only in grade 6 or 7; the earliest grade is shown with the label.
Requirement, grades not specified: A statute or rule says students shall receive financial-literacy instruction but names no grade, so it is not confirmed to reach K-8.
K-8 standards only: State standards name a personal-finance concept at two or more K-8 grade levels, but no requirement to teach it was found.
No K-8 personal-finance standards found: A high school requirement exists, but no requirement for any grade before ninth and no K-8 standards naming a personal-finance concept at two or more grade levels were found. This describes what was found, not proof that none exist.
Study or pilot only: A task force, study, pilot, or unfunded permission exists, without a requirement.
None found: No state-level requirement or standards were found. The searches run are recorded.
Under review: Not yet confirmed. Sources found so far are shown and no status is stated.
Research in progress: This state has not been researched yet.

Sources

New Hampshire General Court, Revised Statutes Annotated. RSA 189:10, III. Primary source. Retrieved 2026-10-19.
“personal finance literacy instruction designed to prepare students for success in making financial decisions is taught as part of the curriculum”
New Hampshire General Court, Revised Statutes Annotated. RSA 189:10, III. Primary source. Retrieved 2026-10-19.
“Personal finance literacy skills may be embedded in an existing course or grade level program of studies.”
New Hampshire General Court, Revised Statutes Annotated. RSA 193-E:2-a, I(a)(10). Primary source. Retrieved 2026-10-19.
“(9) Engineering and technologies including technology applications. (10) Personal finance literacy. (11) Computer science.”
New Hampshire General Court, Revised Statutes Annotated. RSA 193-E:2-a, II. Primary source. Retrieved 2026-10-19.
“The standards shall cover kindergarten through twelfth grade and shall clearly set forth the opportunities to acquire the communication, analytical and research skills”
New Hampshire General Court, Revised Statutes Annotated. RSA 193-E:2-a, III. Primary source. Retrieved 2026-10-19.
“Public schools and public academies shall adhere to the standards identified in paragraph I.”
New Hampshire State Board of Education, administrative rules Ed 300 (hosted by the General Court). N.H. Code Admin. R. Ed 306.21(c)(1)(h). Primary source. Retrieved 2026-10-19.
“Social studies, including: 1. Civics; and 2. Holocaust and genocide education”
New Hampshire State Board of Education, administrative rules Ed 300 (hosted by the General Court). N.H. Code Admin. R. Ed 306.21(c)(2)(i). Primary source. Retrieved 2026-10-19.
“Social studies, including: 1. Civics, government, economics, geography, and history”
New Hampshire State Board of Education, administrative rules Ed 300 (hosted by the General Court). N.H. Code Admin. R. Ed 306.37(b). Primary source. Retrieved 2026-10-19.
“Each school’s social studies program shall have competencies and curriculum aligned with “K-12 Social Studies Curriculum Framework,” 2006 edition”
New Hampshire State Board of Education, administrative rules Ed 300 (hosted by the General Court). N.H. Code Admin. R. Ed 306.23(h), Table 306-2. Primary source. Retrieved 2026-10-19.
“Economics ½ credit Financial literacy ½ credit World history, global studies, or geography 1 credit”
New Hampshire State Board of Education, administrative rules Ed 300 (hosted by the General Court). N.H. Code Admin. R. Ed 306.28(c). Primary source. Retrieved 2026-10-19.
“Each district shall establish and provide competencies and curriculum for personal finance literacy that includes the following content areas:”
New Hampshire General Court, Revised Statutes Annotated. RSA 189:10, III. Primary source. Retrieved 2026-10-19.
“The school board shall ensure that personal finance literacy instruction designed to prepare students for success in making financial decisions is taught as part of”
New Hampshire General Court, Revised Statutes Annotated. RSA 193-E:2-a, II (with I(a)(10) listing 'Personal finance literacy' and III 'shall adhere'). Primary source. Retrieved 2026-10-19.
“The standards shall cover kindergarten through twelfth grade”

Open items are being reviewed.

RSA 189:10, RSA 193-E:2-a and Ed 306 re-read. The K-8 section of Ed 306 (306.21) lists subject areas without personal finance; Ed 306.37 requires a developmentally appropriate social studies program in each school aligned to the 2006 framework. The framework and DOE advisories are on education.nh.gov, which still returns 403 for robots.txt. Moved from needs_review on 2026-10-19 by the statute sweep: operative language (shall ensure ... is taught), no grade named. The 2006 K-12 Social Studies Curriculum Framework and the Department advisories on education.nh.gov (robots.txt 403) remain unread (see docs/needs-manual-read.md); they could show whether K-8 is meant, which would make it k8_requirement.

Suggested citation
CENTS. New Hampshire: K-8 financial education. State-by-state review, v2026.10.19.5, October 2026. https://www.centscampaign.org/states/nh