Virginia · Code § 22.1-200-03B · EPF
Virginia requires a full-year Economics and Personal Finance course to graduate.
Here’s the one built to teach both — as one course.
Your Next Chapter™ · Virginia Edition is a complete 1.0-credit, full-year course — a single combined Economics and Personal Finance course (EPF), 15 units across two semesters, mapped to Virginia’s EPF Standards of Learning (2019) and built by a CFP®.
One credit. Both halves. Every EPF standard.
Since students entering ninth grade in 2011, Virginia has required one standard credit in Economics and Personal Finance (EPF) for a Standard or Advanced Studies Diploma — a single combined course that teaches both economics and personal finance.
Code of Virginia § 22.1-200-03B · Virginia EPF Standards of Learning (2019) · EPF.1–18A full credit, both subjects
One year, 15 units — economics and personal finance taught as one continuous course, exactly as Virginia’s EPF requires.
Mapped to the 2019 SOL
Aligned across both the economics standards (EPF.1–10) and the personal-finance standards (EPF.11–18).
Standards crosswalk
A full-year course mapped to Virginia’s EPF Standards of Learning (2019) — the economics strand and the personal-finance strand, across two semesters. The full standard-by-standard crosswalk (EPF.1–18) ships with the sample package.
| Unit | Focus | Virginia EPF |
|---|---|---|
| Semester 1 — Economic reasoning, markets & income | ||
| Unit 1 · Foundations of Economic Decision-Making | Scarcity, trade-offs, the PACED model | Economics |
| Unit 2 · Markets: Supply, Demand & Structures | Prices, wages, competition | Economics |
| Unit 3 · Macroeconomic Goals & Performance | GDP, inflation, unemployment | Economics |
| Unit 4 · Money, Banking & the Federal Reserve | The Fed, monetary policy | Economics |
| Unit 5 · Government & Fiscal Policy | Taxes, spending, market failures | Economics |
| Unit 6 · International Trade & Exchange | Trade, the Port of Virginia, exchange rates | Economics |
| Unit 7 · Human Capital, Income & Taxes | Careers, gross vs. net pay, Virginia’s tax | Both |
| Unit 8 · Spending & Consumer Decisions | Needs vs. wants, consumer choices | Personal finance |
| Semester 2 — Managing money, big decisions & the plan | ||
| Unit 9 · Budgeting & Financial Planning | Budgets, goals, the emergency fund | Personal finance |
| Unit 10 · Banking & Financial Institutions | Accounts, FDIC/NCUA, fees | Personal finance |
| Unit 11 · Credit & Debt Management | Credit scores, APR, debt | Personal finance |
| Unit 12 · Saving, Investing & Wealth | Compounding, risk & return | Personal finance |
| Unit 13 · Large Purchases: Housing & Transportation | Renting, buying, autos | Personal finance |
| Unit 14 · Risk Management, Insurance & Consumer Rights | Virginia 50/100/25 + UM/UIM, fraud | Personal finance |
| Unit 15 · Capstone: Your Financial Plan | The full plan — presented & defended | Both |
Every EPF.1–18 standard is taught at least once; the applied second semester and capstone integrate them into one financial plan.
Built for Virginia, not relabeled.
Virginia law and Virginia numbers — so the course fits a classroom in Richmond as well as one in Northern Virginia.
The combined build
A true both-halves course
Economics and personal finance taught as one connected year — not a finance class with an economics chapter bolted on the end.
Unit 7 · Taxes
Virginia’s graduated tax, taught with real numbers
Virginia uses a graduated income tax (2% to 5.75%) with no local income tax. Students compute a real Virginia paycheck bracket by bracket — not a generic “your state” rate.
Unit 14 · Insurance
50/100/25 — and Virginia’s 2025 rules
Unit 14 teaches Virginia’s at-fault system with the 50/100/25 minimums and the mandatory uninsured / underinsured (UM/UIM) coverage Virginia added in 2025.
Everywhere else
Virginia-anchored by design
Career research, rent, and cost-of-living work point students at their own region — Richmond to Northern Virginia — and Unit 6’s trade lesson anchors on the Port of Virginia.
Five life-transition tracks — chosen on Day 1.
Students pick one track on Day 1, and it becomes the lens for every decision across the year — career research, budget assumptions, debt choices, and investment projections all reflect their specific path.
College
University or community college: tuition, loans, housing, part-time work.
Career Launch
First full-time job: benefits, first apartment, first car, 401(k) decisions.
Skilled Trades
Apprenticeship: earn while you learn, union benefits, tool costs.
Entrepreneurship
Your own business: variable income, self-employment taxes, startup costs.
Military Service
Enlistment and active duty: base pay and tax-free allowances, the Blended Retirement System, and benefits few 18-year-olds know how to read.
Built by a practitioner, not a curriculum company.
Mark H. Johnson · CFP® · AEP® · CEPA® · CDFA® · BFA™ · JD · MBA
Founder of Reviresco Financial Planning & Wealth Management in Monroe, Michigan, Mark has sat across the table from clients working through every financial mistake this curriculum is designed to prevent. Every unit is built around decisions your graduates will face within five years of graduation — not hypothetical, not textbook. Real.
Proof you can take to your board.
Every licensed district receives structured outcome reports per cohort: a pre/post knowledge assessment (target ≥25-point gain), statement-level verification that all required LDOE 160345 topics were delivered, and capstone proficiency, completion, and teacher-satisfaction rates. At year end you'll have a documented record of what percentage of students completed the course, what percentage produced a proficiency-level financial plan, and how much the average student's financial knowledge grew — the evidence base for renewing the license and reporting to your board.
Virginia's first affected class graduates in 2028.
Those students are juniors now — districts are choosing curriculum this year.
Request the Virginia Sample UnitPricing — by scope, not by state
A per-district site license by enrollment, all units and materials included. Choose your course:
Semester course
A half-credit, one-semester course — most states.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,000 |
| 151–500 | $4,500 |
| 501–1,500 | $9,500 |
| 1,501–5,000 | $18,000 |
| 5,001+ / consortium | Custom |
Full-year course
A full-credit, two-semester course — e.g. Louisiana. About 40% more, because it's nearly twice the course.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,800 |
| 151–500 | $6,300 |
| 501–1,500 | $13,300 |
| 1,501–5,000 | $25,200 |
| 5,001+ / consortium | Custom |
Semester course
A half-credit economics course.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,000 |
| 151–500 | $4,500 |
| 501–1,500 | $9,500 |
| 1,501–5,000 | $18,000 |
| 5,001+ / consortium | Custom |
For states that require a separate personal finance course and a separate economics course (e.g. Michigan). Each semester course is 20% off.
| Enrollment | Per course (−20%) | Both, total |
|---|---|---|
| Up to 150 | $1,600 | $3,200 |
| 151–500 | $3,600 | $7,200 |
| 501–1,500 | $7,600 | $15,200 |
| 1,501–5,000 | $14,400 | $28,800 |
| 5,001+ / consortium | Custom | Custom |
Founding-District Offer — Louisiana's class of 2028.
Districts are choosing curriculum for this mandate right now, and we're seeding a small first cohort of Louisiana partners. Sign on in this adoption cycle and take year one at the semester rate, or lock three years at about 20% off the full-year rate — as a founding partner, not a discount. Parish consortiums welcome.
Louisiana's class of 2028 is choosing a full-year course right now.
Let's talk about what this looks like for your district — founding-district terms available for the first Louisiana cohort.