Personal Finance

Course Description:

Personal Finance examines the decision-making processes behind earning money, spending money, saving and investing to build wealth, use credit, insure one’s self and one’s possessions, and invest in an education. This course is aligned to the Michigan’s K-12 Personal Finance standards adopted in 2023. It is designed to fulfill a 1/2 credit in personal finance that meets subject area content expectations developed by the Michigan Department of Education (MDE) and approved by the State Board of Education (SBE) required for high school graduation.

Course Details:

Course Title (District): Personal Finance
Course Title (NCES SCED) : Particular Topics in Economics
Course Provider : Michigan Virtual
Content Provided By : Michigan Virtual
Online Instructor Provided By : Michigan Virtual
Standards Addressed : Michigan Merit Curriculum, Michigan K-12 Social Studies Standards (2019), MI Personal Finance Standards
Alignment Document : https://docs.google.com/document/d/1nvzw4p0TLnsQYaWR0jcgb1UWN397hgngjSXpaikfNhs/edit?usp=sharing
Academic Terms : Semester, Trimester, Accelerated
NCES SCED Code : 04207
Subject Area : Social Sciences and History
Course Identifier : Particular Topics in Economics
Course Level : High School (Secondary)
Available Credit : 0.5
Sequence : 1 of 1

How To Enroll:

Enrollment Website : https://slp.michiganvirtual.org/
Email : [email protected]
Phone : (888) 889-2840

Students and Parents: It is important to work closely with your local school counselor or registrar to follow the school's enrollment procedures. By clicking the "Start Registration Request" button below, you will be able to notify the school of your interest in registering for the online course. However, it is the responsibility of the district or school to review the registration request and approve or deny the request. Please make a note to follow up with your school after submitting a registration request.

Start Registration Request

Additional Course Information:

Additional Cost Description:

None

Upon completion of this course, students will be able to:

  • Conduct research regarding potential income, non-income factors that may influence career choice, benefits and costs of obtaining the necessary education or technical skills, taxes a person is likely to pay, and other possible sources of income
  • Describe the factors that consumers may consider when purchasing a good or service
  • Identify the incentives people have to set aside income for future consumption
  • Evaluate the impact of time, interest rates, and inflation upon the value of savings
  • Evaluate the benefits, costs, and potential impacts of using credit to purchase goods and services
  • Analyze the risks, expected rate of return, tax benefits, impact of inflation, and the importance of diversification when investing in financial assets
  • Assess the financial risk of lost income, assets, health, or identity, and determine if a person should accept the risk exposure, reduce risk, or transfer the risk to others by paying a fee now to avoid the possibility of a larger loss later

NSQ National Standards for Quality Online Courses

Rating Comments
A1. A course overview and syllabus are included in the online course Pilot: Review Pending
A2. Minimum computer skills and digital literacy skills expected of the learner are clearly stated.* Pilot: Review Pending
A3. The instructor’s biographical information and information on how to communicate with the instructor are provided to learners and other stakeholders. Pilot: Review Pending
A4. Learner expectations and policies are clearly stated and readily accessible within the introductory material of the course. Pilot: Review Pending
A5. Minimum technology requirements for the course are clearly stated, and information on how to obtain the technologies is provided.* Pilot: Review Pending
A6. Grading policies and practices are clearly defined in accordance with course content learning expectations. Pilot: Review Pending
A7. The online course provides a clear description or link to the technical support offered and how to obtain it.* Pilot: Review Pending
A8. Learners are offered an orientation prior to the start of the online course. Pilot: Review Pending
Rating Comments
B1. The online course objectives or competencies are measurable and clearly state what the learner will be able to demonstrate as a result of successfully completing the course.* Pilot: Review Pending
B2. The online course expectations are consistent with course-level objectives or competencies, are representative of the structure of the course, and are clearly stated. Pilot: Review Pending
B3. The online course content is aligned with accepted state and/or other accepted content standards, where applicable.* Pilot: Review Pending
B4. Digital literacy and communication skills are incorporated and taught as an integral part of the curriculum.* Pilot: Review Pending
B5. Supplemental learning resources and related instructional materials are available to support and enrich learning and are aligned to the specific content being delivered.* Pilot: Review Pending
B6. The online course content and supporting materials reflect a culturally diverse perspective that is free of bias.* Pilot: Review Pending
B7. The online course materials (e.g., textbooks, primary source documents, OER) that support course content standards are accurate and current. Pilot: Review Pending
B8. The online course is free of adult content and avoids unnecessary advertisements.* Pilot: Review Pending
B9. Copyright and licensing status for any third-party content is appropriately cited and easily found. Pilot: Review Pending
B10. Documentation and other support materials are available to support effective online course facilitation.* Pilot: Review Pending
Rating Comments
C1. The online course design includes activities that guide learners toward promoting ownership of their learning and self-monitoring. Pilot: Review Pending
C2. The online course’s content and learning activities promote the achievement of the stated learning objectives or competencies. Pilot: Review Pending
C3. The online course is organized by units and lessons that fall into a logical sequence. Pilot: Review Pending
C4. The online course content is appropriate to the reading level of the intended learners.* Pilot: Review Pending
C5. The online course design includes introductory assignments or activities to engage learners within the first week of the course. Pilot: Review Pending
C6. The online course provides learners with multiple learning paths as appropriate, based on learner needs, that engage learners in a variety of ways. Pilot: Review Pending
C7. The online course provides regular opportunities for learner-learner interaction. Pilot: Review Pending
C8. The online course design provides opportunities for learner-instructor interaction, including opportunities for regular feedback about learner progress.* Pilot: Review Pending
C9. Online course instructional materials and resources present content in an effective, engaging, and appropriate manner.* Pilot: Review Pending
Rating Comments
D1. Learner assessments are linked to stated course, unit, or lesson-level objectives or competencies. Pilot: Review Pending
D2. Valid course assessments measure learner progress toward mastery of content. Pilot: Review Pending
D3. Assessment practices provide routine and varied opportunities for self-monitoring and reflection of learning.* Pilot: Review Pending
D4. Assessment materials provide the learner with the flexibility to demonstrate mastery in a variety of ways.* Pilot: Review Pending
D5. Rubrics that clearly define expectations for varied levels of proficiency are created and shared with learners.* Pilot: Review Pending
Rating Comments
E1. Online course navigation is logical, consistent, and efficient from the learner’s point of view.* Pilot: Review Pending
E2. The online course design facilitates readability.* Pilot: Review Pending
E3. The online course provides accessible course materials and activities to meet the needs of diverse learners.* Pilot: Review Pending
E4. Course multimedia facilitate ease of use.* Pilot: Review Pending
E5. Vendor accessibility statements are provided for all technologies required in the course.* Pilot: Review Pending
Rating Comments
F1. Educational tools ensure learner privacy and maintain confidentiality of learner information in accordance with local, state, and national laws for learner data. Pilot: Review Pending
F2. The online course tools support the learning objectives or competencies.* Pilot: Review Pending
F3. The online course provides options for the instructor to adapt learning activities to accommodate learners’ needs and preferences.* Pilot: Review Pending
F4. The course allows instructors to control the release of content.* Pilot: Review Pending
F5. The course provides the necessary technical functionality to score and record assessments and calculate earned course points or grades.* Pilot: Review Pending
Rating Comments
G1. The online course uses multiple methods and sources of input for assessing course effectiveness. Pilot: Review Pending
G2. The online course is reviewed to ensure that the course is current. Pilot: Review Pending
G3. The online course is updated on a continuous improvement cycle for effectiveness based on the findings from ongoing reviews. Pilot: Review Pending

Review Conducted By: Quality Matters
Date of Review: 12/31/2024

Unit 1: Getting Started with Financial Decisions

Unit 2: Earning Money

Unit 3: Spending Smart

Unit 4: Save, Invest, and Build Wealth

Unit 5: All About Credit

Unit 6: How Insurance Works

Unit 7: School and Money

Term Type Enrollment Opens Enrollment Ends Random Draw Date Enrollment Drop Date Course Starts Course Ends # of Seats Course Fee Potential Additional Costs
Semester 03/29/2024 03/14/2025 07/01/2024 01/17/2025 01/03/2025 05/23/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 01/24/2025 01/10/2025 05/30/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 01/31/2025 01/17/2025 06/06/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 02/07/2025 01/24/2025 06/13/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 02/14/2025 01/31/2025 06/20/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 02/21/2025 02/07/2025 06/20/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 02/28/2025 02/14/2025 06/20/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 03/07/2025 02/21/2025 06/20/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 03/14/2025 02/28/2025 06/20/2025 100 $350
Semester 03/29/2024 03/14/2025 07/01/2024 03/21/2025 03/07/2025 06/20/2025 100 $350
Trimester 03/29/2024 03/28/2025 07/01/2024 03/07/2025 02/21/2025 05/23/2025 100 $350
Trimester 03/29/2024 03/28/2025 07/01/2024 03/14/2025 02/28/2025 05/30/2025 100 $350
Trimester 03/29/2024 03/28/2025 07/01/2024 03/21/2025 03/07/2025 06/06/2025 100 $350
Trimester 03/29/2024 03/28/2025 07/01/2024 03/28/2025 03/14/2025 06/13/2025 100 $350
Trimester 03/29/2024 03/28/2025 07/01/2024 04/04/2025 03/21/2025 06/20/2025 100 $350
Accelerated 01/02/2025 06/27/2025 04/01/2025 06/06/2025 05/23/2025 08/01/2025 100 $350
Accelerated 01/02/2025 06/27/2025 04/01/2025 06/13/2025 05/30/2025 08/08/2025 100 $350
Accelerated 01/02/2025 06/27/2025 04/01/2025 06/20/2025 06/06/2025 08/15/2025 100 $350
Trimester 03/29/2024 09/27/2024 07/01/2024 09/06/2024 08/23/2024 11/22/2024 100 $350
Trimester 03/29/2024 09/27/2024 07/01/2024 09/20/2024 09/06/2024 12/06/2024 100 $350
Trimester 03/29/2024 09/27/2024 07/01/2024 09/27/2024 09/13/2024 12/13/2024 100 $350
Trimester 03/29/2024 09/27/2024 07/01/2024 10/04/2024 09/20/2024 12/20/2024 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 09/06/2024 08/23/2024 01/10/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 09/13/2024 08/30/2024 01/17/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 09/20/2024 09/06/2024 01/24/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 09/27/2024 09/13/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 10/04/2024 09/20/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 10/11/2024 09/27/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 10/18/2024 10/04/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 10/25/2024 10/11/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 11/01/2024 10/18/2024 01/31/2025 100 $350
Semester 03/29/2024 10/25/2024 07/01/2024 11/08/2024 10/25/2024 01/31/2025 100 $350
Trimester 03/29/2024 01/03/2025 07/01/2024 12/06/2024 11/22/2024 02/21/2025 100 $350
Trimester 03/29/2024 01/03/2025 07/01/2024 12/20/2024 12/06/2024 03/07/2025 100 $350
Trimester 03/29/2024 01/03/2025 07/01/2024 12/27/2024 12/13/2024 03/14/2025 100 $350
Trimester 03/29/2024 01/03/2025 07/01/2024 01/03/2025 12/20/2024 03/21/2025 100 $350
Drop Policy Completion Policy Term Type Enrollment Opens Enrollment Ends
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 03/14/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 03/28/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 03/28/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 03/28/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 03/28/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 03/28/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Accelerated 01/02/2025 06/27/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Accelerated 01/02/2025 06/27/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Accelerated 01/02/2025 06/27/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 09/27/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 09/27/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 09/27/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 09/27/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Semester 03/29/2024 10/25/2024
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 01/03/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 01/03/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 01/03/2025
Students have 14 days from the enrollment start date to drop the course and receive a full refund. No refunds are given after 14 days. Drop dates are calculated and what is posted is the last possible drop date for enrollments created within the enrollment window. Students may access their course from their enrollment start date to their enrollment end date. A completion is a 60% final score or higher. Trimester 03/29/2024 01/03/2025
Students can use email or the private message system within the Student Learning Portal to access highly qualified teachers when they need instructor assistance. Students will also receive feedback on their work inside the learning management system. The Instructor Info area of their course may describe additional communication options.

Students will require a computer device with headphones, a microphone, webcam, up-to-date Chrome Web Browser, and access to YouTube.

Please review the Michigan Virtual Technology Requirements: https://michiganvirtual.org/about/support/knowledge-base/technical-requirements/