Financial Literacy Curriculum Grade 7
Financial Literacy Curriculum Grade 7
Financial Literacy Curriculum Grade 7
Grade 7
Curriculum Authors:
Supervisor of Mathematics: Ms. Bronwen Calderon
Course Philosophy and Description
The Woodland Park Memorial Middle School Financial Literacy Class is a 9-Week course that is perfect for delivering
personal finance to middle school students. Covering 9 core ideas for grades 6-8, this course will help your students build
core personal finance skills and learn real-world strategies they can use. Through engaging resources and activities,
students will practice these skills so they can get started on the right track to effectively manage their personal finances.
The Financial Literacy course focuses on preparing students to meet the challenges of managing one’s personal and family
resources in the 21st century. Essential foundations of financial planning include the application of knowledge, skills, and
ethical values when making consumer and financial decisions. The curriculum examines income and careers, money
management, credit and debt management, planning, saving and investing, consumerism, civic financial responsibility,
and risk management and insurance. These standards outline the important fiscal knowledge, habits, and skills that must
be mastered in order for students to make informed decisions about personal finance.
Financial literacy is an integral component of a student's college and career readiness, enabling students to achieve
fulfilling, financially-secure, and successful careers. The goals of the program are to provide students with learning
experiences to do the following:
● Build confidence to make financial decisions related to managing personal financial resources, building earning
capability, protecting assets, and adapting to unexpected events.
● Apply sound foundational financial decision making principles through the many stages of life.
● Exhibit mindful money management behaviors that benefit themselves and their families.
7th Grade Overview:
In Grade 7, instructional time should focus on four core ideas:
i) A budget aligned with an individual’s financial goals can help prepare for life events.
ii) Goals (e.g., higher education, autos, and homes, retirement), affect your finances.
iii) Identifying strategies to decrease and manage expenses.
a) Determining the nature of legal and ethical behaviors when making financial decisions.
i) Individuals can use their talents, resources and abilities to give back.
ii) The potential for building and using personal wealth includes responsibility to the broader community and an
understanding of the legal rights and responsibilities of being a good citizen.
iii) Examine the implications of legal and ethical behaviors when making financial decisions.
Overview of 6-8 Financial Literacy Curriculum Pacing Guide
Titles of Core Ideas
Week 1-2 Week 3-5 Week 6-7 Week 8-9
Interdisciplinary Connections
ELA Connection:
Alignment to Anchor Standards for Reading, Writing, & Speaking:
● RI.7.1. Cite several pieces of textual evidence and make relevant connections to support analysis of what the text says explicitly as well as inferences
drawn from the text.
● RI.7.7. Compare and contrast a text to an audio, video, or multimedia version of the text, analyzing each medium’s portrayal of the subject (e.g., how the
delivery of a speech affects the impact of the words).
● NJSLSA.W4. Produce clear and coherent writing in which the development, organization, and style are appropriate to task, purpose, and audience.
● NJSLSA.W6. Use technology, including the Internet, to produce and publish writing and to interact and collaborate with others.
● NJSLSA.SL4. Present information, findings, and supporting evidence such that listeners can follow the line of reasoning and the organization,
development, and style are appropriate to task, purpose, and audience.
Math Connection:
6.RP.A. Understand ratio concepts and use ratio reasoning to solve problems.
● 6.RP.A.3. Use ratio and rate reasoning to solve real-world and mathematical problems, e.g., by reasoning about tables of equivalent ratios, tape
diagrams, double number line diagrams, or equations.
● 6.RP.3c. Find a percent of a quantity as a rate per 100 (e.g., 30% of a quantity means 30/100 times the quantity); solve problems involving finding the
whole, given a part and the percent.
6.NS.B. Compute fluently with multi-digit numbers and find common factors and multiples.
● 6.NS.B.2. Fluently divide multi-digit numbers using the standard algorithm.
● 6.NS.B.3. Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation
6.SP.B. Summarize and describe distributions.
● 6.SP.B.5. Summarize numerical data sets in relation to their context, such as by: a. Reporting the number of observations
Critical Thinking and Problem-solving: Multiple solutions often exist to solve a problem.
● 9.4.8.CT.2: Develop multiple solutions to a problem and evaluate short- and long-term effects to determine the most plausible option.
Global and Cultural Awareness: Awareness of and appreciation for cultural differences is critical to avoid barriers to productive and positive interaction.
● 9.4.8.GCA.1: Model how to navigate cultural differences with sensitivity and respect.
● 9.4.8.GCA.2: Demonstrate openness to diverse ideas and perspectives through active discussions to achieve a group goal.
Creativity and Innovation: Gathering and evaluating knowledge and information from a variety of sources, including global perspectives, fosters creativity
and innovative thinking.
● 9.4.8.CI.1: Assess data gathered on varying perspectives on causes of climate change (e.g., cross cultural, gender-specific, generational), and determine
how the data can best be used to design multiple potential solutions.
9.2 Career Awareness, Exploration, and Preparation: By the end of grade 8, students will be
able to:
STRAND B: CAREER EXPLORATION
9.2.8.B.1 Research careers within the 16 Career Clusters and determine attributes of career success.
9.2.8.B.3 Evaluate communication, collaboration, and leadership skills that can be developed through school, home, work, and extracurricular
activities for use in a career.
9.2.8.B.4 Evaluate how traditional and nontraditional careers have evolved regionally, nationally, and globally.
9.2.8.B.6 Demonstrate understanding of the necessary preparation and legal requirements to enter the workforce.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems individually
and collaborate and to create and communicate knowledge.
D. Digital Citizenship: Students understand human, cultural, and societal issues related to technology and practice legal and ethical behavior.
Advocate and practice safe, legal, and responsible use of information and technology.
8.1.8.D.1: Understand and model appropriate online behaviors related to cyber safety, cyber bullying, cyber security, and cyber ethics including
appropriate use of social media.
Financial Institutions can influence the system developed in order to support a financial savings plan.
● How can understanding one’s career choice affect Learning Goal 1: Learn what taxes are and gain a general sense for what they are
your quality of life? used for.
● How can present tense spending decisions affect
income? A budget? Learning Goal 2: Discover Income Taxes and how this money is used by the federal
● Why are payroll deductions important to consider government to provide services.
during planning and budgeting?
● Why is it important to construct a personal savings plan Learning Goal 3: Understand that quality of life varies by culture and
for the future? consequently, so does income.
● Why is it important to relate earning power across
cultures? Learning Goal 4: Assess how spending priorities reflect goals and values.
● How do you know when to use a debit card vs. a credit
card? Learning Goal 5: Constructing personal savings plan based on monthly income
● Why is a simple personal savings plan important to from various sources.
have?
Learning Goal 6: Assess how spending priorities reflect goals and values and
analyze how spending and saving behavior can affect overall well-being.
Learning Goal 7: Creating a budget to support long and short term goals while
assembling charitable goals.
Learning Goal 8: Apply systematic decision making to setting and achieving
financial goals.
Learning Goal 9: Students will distinguish and determine the most appropriate use
of various financial products and services such as cash, check, credit card, ATM,
and debit cards.
Concept 3: Tax deductions and medical benefits Objective 2: TLWBAT/SWBAT look at the way the government spends this
money.
Concept 4: Spending decisions
Objective 3: TLWBAT/SWBAT create their own plan for how the government
Concept 5: Tracking income should spend tax dollars.
Concept 8: Saving wisely Objective 5: TLWBAT/SWBAT Calculate how payroll deductions affect take-home
pay.
Concept 9: Use of cash, check, credit and debit cards
Objective 6: TLWBAT/SWBAT Summarize Social Security, Medicare and
Concept 10: Bookkeeping strategies for saving wisely
Affordable Care Act benefits.
Objective 7: TLWBAT/SWBAT Explain where income taxes are collected from and
how they provide revenue for public expenses.
Objective 8: TLWBAT/SWBAT Read a pay stub and describe the different
deductions.
Next Gen Personal Finance Middle School Alignment: 10. Government Jobs for Kids Lesson Plan
1. What's The Big Deal About Taxes? 11. Athletic Salaries vs. Job Salaries
a. What's the Big Deal About Taxes (Teacher 12. Putting Earning, Saving, and Spending Together
Notes)? a. Teacher Notes
2. Follow Tax Money 13. Why Do Celebrities Go Bankrupt?
3. SchoolHouse Rock Video on Tax Man Tax a. Teacher Notes for Why Celebrities Go Bankrupt
4. Brief History of Taxation 14. Supplemental Resource Library
5. The Tax Game
6. What's the Big Deal About Taxes? Kahoot Game
7. Taxes and Your Pay Stub
8. Teens and Taxes
9. Culture and Money Article
Middle School Personal Financial Literacy Toolbox
Next Gen Personal NGPF is a free K-12 personal finance curriculum and professional Next Gen Personal Finance Middle School
Finance (NGPF) development partner helping teachers deliver essential money Resources
understanding in an easy-to-grasp, engaging way. They offer a https://www.ngpf.org/courses/middle-school/
complete course of up-to-date, customizable lessons and activities
designed to spark participation and make ideas memorable.
National Education Resources to supplement your curriculum and help students gain National Education Association Resources for
Association the financial literacy skills they’ll need to manage their financial Teaching Financial Literacy
resources effectively throughout their lives. http://www.nea.org/tools/lessons/resources-for-t
eaching-financial-literacy.html
Hands-On Banking Lessons, activities, and teacher guides from Wells Fargo that cover Hands-On Banking Financial Literacy Resources
kids, teens, and young adults. https://handsonbanking.org/educators/
Federal Deposit Standards-aligned curriculums that can be incorporated into Federal Deposit Insurance Corporation Money
Insurance subjects such as English language arts, mathematics and social Smart Resources
Corporation – Money studies. Multiple lessons and resource guides for teachers. https://www.fdic.gov/consumers/consumer/mon
Smart eysmart/young.html
BIZ Kid$ on PBS: TV TV show that teaches teens about personal finance. Show’s website PBS BIZ Kid$ Personal Finance Resources
Show provides activity guides, lesson plans and games. http://bizkids.com/
Money Math Lessons Lessons for Life is a four-lesson curriculum supplement for middle Money Math Lessons for Life Curriculum
for Life school math classes, teaching grades 7-9 math concepts using Supplement
real-life examples from personal finance. https://www.treasurydirect.gov/indiv/tools/tools
_moneymath.htm
Kitsap Credit Union – "It's A Money Thing" will introduce you to a collection of humorous, Kitsap Credit Union It's a Money Thing Videos
It’s a Money Thing yet effective financial education videos. Grounded in research, each https://www.kitsapcu.org/services-video-educatio
Videos video focuses on a specific topic and takes just a few minutes to n.html
view.
My Classroom My Classroom Economy is a simple classroom economic system My Classroom Economy Website
Economy based on the idea that students need to earn school "dollars" so
that they can rent their own desks. By bringing real world scenarios https://www.myclassroomeconomy.org/
into the classroom, students see the impact of their decisions to
save, spend, and budget.
Financial Beginnings Financial Beginnings offers elementary, middle, and high school Financial Beginnings Website
programs. All of the materials and presenters are available at no https://www.financialbeginnings.org/
cost to schools or participants.
Money SKILL MoneySKILL educates students of all ages on the basic Money SKILL Website
understanding of money-management fundamentals. The course https://afsaef.org/MoneySKILL/About
includes the content areas of income, expenses, saving and
investing, credit, and insurance.
Council for Economic (CEE) is the leading non-profit organization in the U.S. that focuses Council for Economic Education Website
Education (CEE) on personal finance and economic education for students K-12.
https://www.councilforeconed.org/
$martPath Lesson plans and activities that teachers can bring into the $martPath Classroom Lessons and Resources
classroom. $martPath website also has additional resources for https://www.economicscenter.org/teaching-resou
educators. rces/classroom-lessons.aspx
Financial Lessons: lessons for K-12 teachers to use to teach economics and personal Federal Reserve of Philadelphia: Financial Lessons
Federal Reserve of finance in their own classrooms. The lessons emphasize active- and https://www.philadelphiafed.org/education/teac
Philadelphia collaborative-learning teaching methodologies. hers/lesson-plans
The Federal Reserve
Bank of Philadelphia
publishes
Junior Achievement Junior Achievement’s middle school programs foster work Junior Achievement Financial Literacy Programs
readiness, entrepreneurship, and financial literacy skills, and use https://www.juniorachievement.org/web/ja-usa/
experiential learning to inspire students to dream big and reach a-programs
their potential.
EverFi EverFi is an interactive curriculum that includes quizzes in EverFi Financial Literacy Resources
video-game format. It offers webbased tours of the New York Stock https://www.everfi.com/index.php
Exchange and explanations of compounding interest and savings,
the pitfalls of bad credit and consumer fraud to teach students the
core concepts of financial literacy.
Jump$tart Coalition Jump$tart supports the financial education efforts of its partners Jump$tart Financial Literacy Resources
and affiliates, brings together the financial literacy community to https://www.jumpstart.org/
foster cooperation and collaboration. Jump$tart raises the
importance of financial literacy and the importance of effective
financial education.
Formative/Summative/Benchmark Assessments:
Diagnostic Assessment (as Pre-Assessment): Assesses a student’s strengths, weaknesses, knowledge, and skills prior to instruction.
● Pre-assessments per grade level
● Daily Problem of the Day
● Case Studies (teacher guide) and student guide
Formative Assessments: Assesses a student’s performance during instruction, and usually occurs regularly throughout the instruction process.
● Writing Prompts, Journals, and Portfolios, Do-Now(s), Exit Tickets, iXL (performance assessments), Hands on Labs, Projects, Menu Choice
boards, Anticipatory Sets, Problem of the Week
Criterion-Referenced Assessment: Measures a student’s performance against a goal, specific objective, or standard.
Norm-Referenced Assessment: Compares a student’s performance against other students (a national group or other “norm”)
● Alternate Assessments
Interim/Benchmark Assessment: Evaluates student performance at periodic intervals, frequently at the end of a grading period. Can predict
student performance on end-of-the-year summative assessments.
Core Idea 1: Differentiation/Accommodations/Modifications
Content Process Product
Curriculum, standards How students make sense or understand information Evidence of Learning
being taught
Collaborative Problem Solving Use of Multiple Representations Analyze Student Work Multiple Response Strategies
Connect Previous Knowledge to Explain the Rationale of your Math Identify Student’s Mathematical Asking Assessing and Advancing
New Learning Work Understanding Questions
Math Connection:
6.RP.A.A. Understand ratio concepts and use ratio reasoning to solve problems.
● 6.RP.A. Understand ratio concepts and use ratio reasoning to solve problems. 6.RP.A.1. Understand the concept of a ratio and use ratio language to
describe a ratio relationship between two quantities.
● 6.RP.A.3. Use ratio and rate reasoning to solve real-world and mathematical problems, e.g., by reasoning about tables of equivalent ratios, tape
diagrams, double number line diagrams, or equations.
● 6.RP.A.3.c. Find a percent of a quantity as a rate per 100 (e.g., 30% of a quantity means 30/100 times the quantity); solve problems involving finding the
whole, given a part and the percent.
6.NS.B. Compare fluently with multi-digit numbers and find common factors and multiples.
● 6.NS.B.2. Fluently divide multi-digit numbers using the standard algorithm.
● 6.NS.B.3. Fluently add, subtract, multiply, and divide multi-digit decimals using the standard algorithm for each operation.
● 6.NS.B.4. Find the greatest common factor of two whole numbers less than or equal to 100 and the least common multiple of two whole numbers less
than or equal to 12.
Critical Thinking and Problem-solving: Multiple solutions often exist to solve a problem.
● 9.4.8.CT.2: Develop multiple solutions to a problem and evaluate short- and long-term effects to determine the most plausible option.
Creativity and Innovation: Gathering and evaluating knowledge and information from a variety of sources, including global perspectives, fosters creativity
and innovative thinking.
● 9.4.8.CI.1: Assess data gathered on varying perspectives on causes of climate change (e.g., crosscultural, gender-specific, generational), and determine
how the data can best be used to design multiple potential solutions.
Digital Citizenship: Digital footprints are publicly accessible, even if only shared with a select group. Appropriate measures such as proper interactions can
protect online reputations.
● 9.4.8.DC.4: Explain how information shared digitally is public and can be searched, copied, and potentially seen by public audiences.
● 9.4.8.DC.5: Manage digital identity and practice positive online behavior to avoid inappropriate forms of self-disclosure.
● 9.4.8.DC.6: Analyze online information to distinguish whether it is helpful or harmful to reputation.
CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.
Career-ready individuals readily recognize problems in the workplace, understand the nature of the problem, and devise effective plans to solve the problem.
They are aware of problems when they occur and take action quickly to address the problem; they thoughtfully investigate the root cause of the problem
prior to introducing solutions. They carefully consider the options to solve the problem. Once a solution is agreed upon, they follow through to ensure the
problem is solved, whether through their own actions or the actions of others.
9.2 Career Awareness, Exploration, and Preparation: By the end of grade 8, students will be
able to:
STRAND B: CAREER EXPLORATION
9.2.8.B.3 Evaluate communication, collaboration, and leadership skills that can be developed through school, home, work, and extracurricular
activities for use in a career.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems
individually and collaborate and to create and communicate knowledge.
D. Digital Citizenship: Students understand human, cultural, and societal issues related to technology and practice legal and ethical behavior.
Advocate and practice safe, legal, and responsible use of information and technology.
8.1.8.D.1: Understand and model appropriate online behaviors related to cyber safety, cyber bullying, cyber security, and cyber ethics
including appropriate use of social media.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems individually
and collaborate and to create and communicate knowledge.
E: Research and Information Fluency: Students apply digital tools to gather, evaluate, and use information.
Locate, organize, analyze, evaluate, synthesize, and ethically use information from a variety of sources and media.
8.1.8.E.1 Effectively use a variety of search tools and filters in professional public databases to find information to solve a real world problem.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems individually
and collaborate and to create and communicate knowledge.
F: Critical thinking, problem solving, and decision making: Students use critical thinking skills to plan and conduct research, manage projects, solve
problems, and make informed decisions using appropriate digital tools and resources.
Identify and define authentic problems and significant questions for investigation. Plan and manage activities to develop a solution or complete a
project. Collect and analyze data to identify solutions and/or make informed decisions. Use multiple processes and diverse perspectives to explore
alternative solutions.
8.1.8.F.1 Explore a local issue, by using digital tools to collect and analyze data to identify a solution and make an informed decision.
Credit and Debt ● 9.1.8.CDM.1: Compare and contrast the use of credit cards and debit cards for specific purchases and
the advantages and disadvantages of using each.
Management/ ● 9.1.8.CDM.2: Demonstrate an understanding of the terminology associated with different types of
Planning and credit (e.g. credit cards, installment loans, mortgages, lines of credit) and compare and calculate the
Budgeting: interest rates associated with each.
● 9.1.8.PB.4: Identify factors that affect one’s goals, including peers, culture, location, and past
experiences.
● 9.1.8.PB.5: Construct a budget to save for short-term, long term, and charitable goals.
● 9.1.8.PB.6: Brainstorm techniques that will help decrease expenses including comparison shopping,
negotiating, and day-to-day expense management.
Career Awareness ● 9.2.8.CAP.12: Assess personal strengths, talents, values and interests to appropriate jobs and careers to
maximize career potential. Employee benefits can influence your employment choices.
and Planning: ● 9.2.8.CAP.13: Compare employee benefits when evaluating employment interests and explain the
possible impact on personal finances.
Essential Questions: Enduring Understandings:
● How do you earn, save, and spend? Learning Goal 1: Compare and contrast debit and credit strategies that support
● Why is it important to compare and contrast credit and future goals in finances.
debt management strategies?
● How can debt be leveraged that will benefit future Learning Goal 2: Students will distinguish and determine the most appropriate
savings? use of various financial products and services such as cash, check, credit card,
● How can bankruptcy affect the future? ATM, and debit cards.
● What can cause bankruptcy?
● What do you think happens to the person who declares Learning Goal 3: Students will be able to explain irresponsible spending
bankruptcy? behaviors that could lead to bankruptcy and determine how savings contribute
to the financial well-being.
Learning Goal 4: Assess how spending priorities reflect goals and values.
Learning Goal 5: Discuss the components of a personal spending plan, including
income, planned saving and expenses.
Learning Goal 6: Explain how debit cards differ from credit cards.
Learning Goal 7: Compare the benefits of financial responsibility with the
consequences of financial irresponsibility.
Objective 6: TLWBAT/SWBAT reflect on the impact of the decisions they made
in order to learn from them for the future.
Next Gen Personal Finance Middle School Alignment: 8. Supplemental Resource Library
1. Why Save (for the winter)? (analysis activity with ants) 9. Checking vs. Savings Video
a. Teacher Notes: Why Save (for the winter)? 10. What is Bankruptcy?
2. Putting Earning and Savings Together 11. Average Household Debt in America
a. Teacher Notes 12. Credit Management Sheet
3. Bank or Bust 13. Managing Debt
4. Earn, Save, and Spend Song 14. Paying Down Debt Ed Puzzle
5. Why Do Celebrities Go Bankrupt? 1. Protecting Yourself Assessments
a. Why Do Celebrities Go Bankrupt? Teacher Notes
6. Spent Middle School Edition
a. Spent Middle School Edition (teacher notes)
7. Practice Money Skills
Middle School Personal Financial Literacy Toolbox
Next Gen Personal NGPF is a free K-12 personal finance curriculum and professional Next Gen Personal Finance Middle School
Finance (NGPF) development partner helping teachers deliver essential money Resources
understanding in an easy-to-grasp, engaging way. They offer a complete https://www.ngpf.org/courses/middle-sc
course of up-to-date, customizable lessons and activities designed to spark hool/
participation and make ideas memorable.
National Education Resources to supplement your curriculum and help students gain the National Education Association Resources
Association financial literacy skills they’ll need to manage their financial resources for Teaching Financial Literacy
effectively throughout their lives. http://www.nea.org/tools/lessons/resour
ces-for-teaching-financial-literacy.html
Hands-On Banking Lessons, activities, and teacher guides from Wells Fargo that cover kids, Hands-On Banking Financial Literacy
teens, and young adults. Resources
https://handsonbanking.org/educators/
Federal Deposit Standards-aligned curriculums that can be incorporated into subjects such Federal Deposit Insurance Corporation
Insurance Corporation as English language arts, mathematics and social studies. Multiple lessons Money Smart Resources
– Money Smart and resource guides for teachers. https://www.fdic.gov/consumers/consum
er/moneysmart/young.html
BIZ Kid$ on PBS: TV TV show that teaches teens about personal finance. Show’s website PBS BIZ Kid$ Personal Finance Resources
Show provides activity guides, lesson plans and games. http://bizkids.com/
Money Math Lessons Lessons for Life is a four-lesson curriculum supplement for middle school Money Math Lessons for Life Curriculum
for Life math classes, teaching grades 7-9 math concepts using real-life examples Supplement
from personal finance. https://www.treasurydirect.gov/indiv/to
ols/tools_moneymath.htm
Kitsap Credit Union – "It's A Money Thing" will introduce you to a collection of humorous, yet Kitsap Credit Union It's a Money Thing
It’s a Money Thing effective financial education videos. Grounded in research, each video Videos
Videos focuses on a specific topic and takes just a few minutes to view. https://www.kitsapcu.org/services-video-
education.html
My Classroom My Classroom Economy is a simple classroom economic system based on My Classroom Economy Website
Economy the idea that students need to earn school "dollars" so that they can rent https://www.myclassroomeconomy.org/
their own desks. By bringing real world scenarios into the classroom,
students see the impact of their decisions to save, spend, and budget.
Financial Beginnings Financial Beginnings offers elementary, middle, and high school programs. Financial Beginnings Website
All of the materials and presenters are available at no cost to schools or https://www.financialbeginnings.org/
participants.
Money SKILL MoneySKILL educates students of all ages on the basic understanding of Money SKILL Website
money-management fundamentals. The course includes the content areas https://afsaef.org/MoneySKILL/About
of income, expenses, saving and investing, credit, and insurance.
Council for Economic (CEE) is the leading non-profit organization in the U.S. that focuses on Council for Economic Education Website
Education (CEE) personal finance and economic education for students K-12.
https://www.councilforeconed.org/
$martPath Lesson plans and activities that teachers can bring into the classroom. $martPath Classroom Lessons and
$martPath website also has additional resources for educators. Resources
https://www.economicscenter.org/teachi
ng-resources/classroom-lessons.aspx
Financial Lessons: lessons for K-12 teachers to use to teach economics and personal finance Federal Reserve of Philadelphia: Financial
Federal Reserve of in their own classrooms. The lessons emphasize active- and Lessons
Philadelphia collaborative-learning teaching methodologies. https://www.philadelphiafed.org/educati
The Federal Reserve on/teachers/lesson-plans
Bank of Philadelphia
publishes
Junior Achievement Junior Achievement’s middle school programs foster work readiness, Junior Achievement Financial Literacy
entrepreneurship, and financial literacy skills, and use experiential learning Programs
to inspire students to dream big and reach their potential. https://www.juniorachievement.org/web
/ja-usa/ja-programs
EverFi EverFi is an interactive curriculum that includes quizzes in video-game EverFi Financial Literacy Resources
format. It offers webbased tours of the New York Stock Exchange and https://www.everfi.com/index.php
explanations of compounding interest and savings, the pitfalls of bad
credit and consumer fraud to teach students the core concepts of financial
literacy.
Jump$tart Coalition Jump$tart supports the financial education efforts of its partners and Jump$tart Financial Literacy Resources
affiliates, brings together the financial literacy community to foster https://www.jumpstart.org/
cooperation and collaboration. Jump$tart raises the importance of
financial literacy and the importance of effective financial education.
Formative/Summative/Benchmark Assessments:
Diagnostic Assessment (as Pre-Assessment): Assesses a student’s strengths, weaknesses, knowledge, and skills prior to instruction.
● Pre-assessments per grade level
● Daily Problem of the Day
● Case Studies (teacher guide) and student guide
Formative Assessments: Assesses a student’s performance during instruction, and usually occurs regularly throughout the instruction process.
● Writing Prompts, Journals, and Portfolios, Do-Now(s), Exit Tickets, iXL (performance assessments), Hands on Labs, Projects, Menu Choice
boards, Anticipatory Sets, Problem of the Week
Criterion-Referenced Assessment: Measures a student’s performance against a goal, specific objective, or standard.
Norm-Referenced Assessment: Compares a student’s performance against other students (a national group or other “norm”)
● Alternate Assessments
Interim/Benchmark Assessment: Evaluates student performance at periodic intervals, frequently at the end of a grading period. Can predict
student performance on end-of-the-year summative assessments.
Core Idea 2: Differentiation/Accommodations/Modifications
Content Process Product
Curriculum, standards How students make sense or understand information Evidence of Learning
being taught
Collaborative Problem Solving Use of Multiple Representations Analyze Student Work Multiple Response Strategies
Connect Previous Knowledge to Explain the Rationale of your Math Identify Student’s Mathematical Asking Assessing and Advancing
New Learning Work Understanding Questions
Critical Thinking and Problem-solving: Multiple solutions often exist to solve a problem.
● 9.4.8.CT.2: Develop multiple solutions to a problem and evaluate short- and long-term effects to determine the most plausible option.
Global and Cultural Awareness: Awareness of and appreciation for cultural differences is critical to avoid barriers to productive and positive interaction.
● 9.4.8.GCA.1: Model how to navigate cultural differences with sensitivity and respect.
● 9.4.8.GCA.2: Demonstrate openness to diverse ideas and perspectives through active discussions to achieve a group goal.
Creativity and Innovation: Gathering and evaluating knowledge and information from a variety of sources, including global perspectives, fosters creativity
and innovative thinking.
● 9.4.8.CI.1: Assess data gathered on varying perspectives on causes of climate change (e.g., crosscultural, gender-specific, generational), and determine
how the data can best be used to design multiple potential solutions.
● 9.4.8.CT.2: Develop multiple solutions to a problem and evaluate short- and long-term effects to determine the most plausible option.
Digital Citizenship: There are tradeoffs between allowing information to be public and keeping information private and secure.
● 9.4.8.DC.3: Describe tradeoffs between allowing information to be public (e.g. within online games) versus keeping information private and secure.
Digital Citizenship: Digital footprints are publicly accessible, even if only shared with a select group. Appropriate measures such as proper interactions can
protect online reputations.
● 9.4.8.DC.4: Explain how information shared digitally is public and can be searched, copied, and potentially seen by public audiences.
● 9.4.8.DC.5: Manage digital identity and practice positive online behavior to avoid inappropriate forms of self-disclosure.
● 9.4.8.DC.6: Analyze online information to distinguish whether it is helpful or harmful to reputation.
ELA Connection:
Alignment to Anchor Standards for Reading, Writing, & Speaking:
● RI.6.1. Cite textual evidence and make relevant connections to support analysis of what the text says explicitly as well as inferences drawn from the text.
● RI.6.7. Integrate information presented in different media or formats (e.g., visually, quantitatively) as well as in words to develop a coherent
understanding of a topic or issue.
● NJSLSA.W4. Produce clear and coherent writing in which the development, organization, and style are appropriate to task, purpose, and audience.
● NJSLSA.SL4. Present information, findings, and supporting evidence such that listeners can follow the line of reasoning and the organization,
development, and style are appropriate to task, purpose, and audience.
CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.
Career-ready individuals readily recognize problems in the workplace, understand the nature of the problem, and devise effective plans to solve the problem.
They are aware of problems when they occur and take action quickly to address the problem; they thoughtfully investigate the root cause of the problem prior
to introducing solutions. They carefully consider the options to solve the problem. Once a solution is agreed upon, they follow through to ensure the problem is
solved, whether through their own actions or the actions of others.
9.2 Career Awareness, Exploration, and Preparation: By the end of grade 8, students will be
able to:
STRAND B: CAREER EXPLORATION
9.2.8.B.3 Evaluate communication, collaboration, and leadership skills that can be developed through school, home, work, and extracurricular
activities for use in a career.
9.2.8.B.7 Evaluate the impact of online activities and social media on employer decisions.
Technology Standards (8.1 and 8.2)
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems
individually and collaborate and to create and communicate knowledge.
A. Technology Operations and Concepts: S tudents demonstrate a sound understanding of technology concepts, systems and operations.
Understand and use technology systems.
8.1.8.A.1: Demonstrate knowledge of a real world problem using digital tools.
Select and use applications effectively and productively.
8.1.8.A.3: Use and/or develop a simulation that provides an environment to solve a real world problem or theory.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems
individually and collaborate and to create and communicate knowledge.
D. Digital Citizenship: Students understand human, cultural, and societal issues related to technology and practice legal and ethical behavior.
Advocate and practice safe, legal, and responsible use of information and technology.
8.1.8.D.1: Understand and model appropriate online behaviors related to cyber safety, cyber bullying, cyber security, and cyber ethics
including appropriate use of social media.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems individually
and collaborate and to create and communicate knowledge.
F: Critical thinking, problem solving, and decision making: Students use critical thinking skills to plan and conduct research, manage projects, solve
problems, and make informed decisions using appropriate digital tools and resources.
8.1.8.F.1 Explore a local issue, by using digital tools to collect and analyze data to identify a solution and make an informed decision.
8.2 Technology Education, Engineering, Design, and Computational Thinking - Programming: All students will develop an understanding of the nature and
impact of technology, engineering, technological design, computational thinking and the designed world as they relate to the individual, global society, and
the environment.
E. Computational Thinking: Programming: Computational thinking builds and enhances problem solving, allowing students to move beyond using
knowledge to creating knowledge. Computational thinking and computer programming as tools used in design and engineering.
8.2.8.E.1: Identify ways computers are used that have had an impact across the range of human activity and within different careers where they
are used.
Core Idea 3: Becoming a Critical Consumer
Marketing techniques are designed to encourage individuals to purchase items they may not need or want.
Core Idea(s):
Economic and ● 9.1.8.EGI.7: Explain the effect of the economy (e.g. inflation, unemployment) on personal income,
individual and family security, and consumer decisions.
Government ● 9.1.8.EGI.9: Identify types of consumer fraud, the procedures for reporting fraud, the specific consumer
Influences: protection laws and the issues they address.
Financial Psychology: ● 9.1.8.FP.6: Compare and contrast advertising messages to understand what they are trying to
accomplish.
● 9.1.8.FP.7: Identify the techniques and effects of deceptive advertising.
Career Awareness ● 9.2.8.CAP.3: Explain how career choices, educational choices, skills, economic conditions, and personal
behavior affect income.
and Planning: ● 9.2.8.CAP.5: Develop a personal plan with the assistance of an adult mentor that includes information
about career areas of interest, goals and an educational plan.
Essential Questions: Enduring Understandings:
● How can you identify deception in advertising? Learning Goal 1: Describe a process for making a consumer decision by
● Why is it important to compare sellers when making large combining pre-purchase information with point-of-purchase information, such
purchase quantities? as unit price data and discounts.
● Why is it important to compare sellers when making small
purchase quantities? Learning Goal 2: Evaluate the results of a financial decision to determine if it
● How does an individual decipher between a need and a is a need vs. a want.
want?
Learning Goal 3: Analyze how external factors, such as marketing and
advertising techniques, might influence spending decisions for different
individuals.
Learning Goal 4: Give examples of how decisions made today can affect
future opportunities.
Learning Goal 5: Compare the value of goods or services from different sellers
when purchasing large quantities and small quantities.
Concept 3: Personal needs vs. wants Objective 2: TLWBAT/SWBAT evaluate many types of mediums of
advertisements that businesses use that can be deceptive.
Concept 4: Value of goods for large or small quantities
Concept 5: Value of services for large or small quantities Objective 3: TLWBAT/SWBAT Learn to prioritize in order to satisfy all of your
needs based on what you value.
Concept 6: Deceptive advertising
Objective 4: TLWBAT/SWBAT Identify what you value and make a plan to
finance the things you value most.
Objective 5: TLWBAT/SWBAT understand that unit price is the best way to
make smart spending decisions.
Next Gen Personal NGPF is a free K-12 personal finance curriculum and professional Next Gen Personal Finance Middle School
Finance (NGPF) development partner helping teachers deliver essential money Resources
understanding in an easy-to-grasp, engaging way. They offer a https://www.ngpf.org/courses/middle-school/
complete course of up-to-date, customizable lessons and activities
designed to spark participation and make ideas memorable.
National Education Resources to supplement your curriculum and help students gain National Education Association Resources for
Association the financial literacy skills they’ll need to manage their financial Teaching Financial Literacy
resources effectively throughout their lives. http://www.nea.org/tools/lessons/resources-for-
teaching-financial-literacy.html
Hands-On Banking Lessons, activities, and teacher guides from Wells Fargo that cover Hands-On Banking Financial Literacy Resources
kids, teens, and young adults. https://handsonbanking.org/educators/
Federal Deposit Standards-aligned curriculums that can be incorporated into Federal Deposit Insurance Corporation Money
Insurance subjects such as English language arts, mathematics and social Smart Resources
Corporation – Money studies. Multiple lessons and resource guides for teachers. https://www.fdic.gov/consumers/consumer/mon
Smart eysmart/young.html
BIZ Kid$ on PBS: TV TV show that teaches teens about personal finance. Show’s PBS BIZ Kid$ Personal Finance Resources
Show website provides activity guides, lesson plans and games. http://bizkids.com/
Money Math Lessons Lessons for Life is a four-lesson curriculum supplement for middle Money Math Lessons for Life Curriculum
for Life school math classes, teaching grades 7-9 math concepts using Supplement
real-life examples from personal finance. https://www.treasurydirect.gov/indiv/tools/tools
_moneymath.htm
Kitsap Credit Union – "It's A Money Thing" will introduce you to a collection of Kitsap Credit Union It's a Money Thing Videos
It’s a Money Thing humorous, yet effective financial education videos. Grounded in https://www.kitsapcu.org/services-video-educati
Videos research, each video focuses on a specific topic and takes just a on.html
few minutes to view.
My Classroom My Classroom Economy is a simple classroom economic system My Classroom Economy Website
Economy based on the idea that students need to earn school "dollars" so https://www.myclassroomeconomy.org/
that they can rent their own desks. By bringing real world scenarios
into the classroom, students see the impact of their decisions to
save, spend, and budget.
Financial Beginnings Financial Beginnings offers elementary, middle, and high school Financial Beginnings Website
programs. All of the materials and presenters are available at no https://www.financialbeginnings.org/
cost to schools or participants.
Money SKILL MoneySKILL educates students of all ages on the basic Money SKILL Website
understanding of money-management fundamentals. The course https://afsaef.org/MoneySKILL/About
includes the content areas of income, expenses, saving and
investing, credit, and insurance.
Council for Economic (CEE) is the leading non-profit organization in the U.S. that focuses Council for Economic Education Website
Education (CEE) on personal finance and economic education for students K-12.
https://www.councilforeconed.org/
$martPath Lesson plans and activities that teachers can bring into the $martPath Classroom Lessons and Resources
classroom. $martPath website also has additional resources for https://www.economicscenter.org/teaching-reso
educators. urces/classroom-lessons.aspx
Financial Lessons: lessons for K-12 teachers to use to teach economics and personal Federal Reserve of Philadelphia: Financial Lessons
Federal Reserve of finance in their own classrooms. The lessons emphasize active- and https://www.philadelphiafed.org/education/teac
Philadelphia collaborative-learning teaching methodologies. hers/lesson-plans
The Federal Reserve
Bank of Philadelphia
publishes
Junior Achievement Junior Achievement’s middle school programs foster work Junior Achievement Financial Literacy Programs
readiness, entrepreneurship, and financial literacy skills, and use https://www.juniorachievement.org/web/ja-usa/
experiential learning to inspire students to dream big and reach ja-programs
their potential.
EverFi EverFi is an interactive curriculum that includes quizzes in EverFi Financial Literacy Resources
video-game format. It offers webbased tours of the New York https://www.everfi.com/index.php
Stock Exchange and explanations of compounding interest and
savings, the pitfalls of bad credit and consumer fraud to teach
students the core concepts of financial literacy.
Jump$tart Coalition Jump$tart supports the financial education efforts of its partners Jump$tart Financial Literacy Resources
and affiliates, brings together the financial literacy community to https://www.jumpstart.org/
foster cooperation and collaboration. Jump$tart raises the
importance of financial literacy and the importance of effective
financial education.
Formative/Summative/Benchmark Assessments:
Diagnostic Assessment (as Pre-Assessment): Assesses a student’s strengths, weaknesses, knowledge, and skills prior to instruction.
● Pre-assessments per grade level
● Daily Problem of the Day
● Case Studies (teacher guide) and student guide
Formative Assessments: Assesses a student’s performance during instruction, and usually occurs regularly throughout the instruction process.
● Writing Prompts, Journals, and Portfolios, Do-Now(s), Exit Tickets, iXL (performance assessments), Hands on Labs, Projects, Menu Choice
boards, Anticipatory Sets, Problem of the Week
Criterion-Referenced Assessment: Measures a student’s performance against a goal, specific objective, or standard.
Norm-Referenced Assessment: Compares a student’s performance against other students (a national group or other “norm”)
● Alternate Assessments
Interim/Benchmark Assessment: Evaluates student performance at periodic intervals, frequently at the end of a grading period. Can predict
student performance on end-of-the-year summative assessments.
Core Idea 3: Differentiation/Accommodations/Modifications
Content Process Product
Curriculum, standards How students make sense or understand information Evidence of Learning
being taught
Collaborative Problem Solving Use of Multiple Representations Analyze Student Work Multiple Response Strategies
Connect Previous Knowledge to Explain the Rationale of your Math Identify Student’s Mathematical Asking Assessing and Advancing
New Learning Work Understanding Questions
Creativity and Innovation: Gathering and evaluating knowledge and information from a variety of sources, including global perspectives, fosters creativity
and innovative thinking.
● 9.4.8.CI.1: Assess data gathered on varying perspectives on causes of climate change (e.g., crosscultural, gender-specific, generational), and determine
how the data can best be used to design multiple potential solutions.
ELA Connection:
Alignment to Anchor Standards for Reading, Writing, & Speaking:
● RI.6.1. Cite textual evidence and make relevant connections to support analysis of what the text says explicitly as well as inferences drawn from the
text.
● RI.6.7. Integrate information presented in different media or formats (e.g., visually, quantitatively) as well as in words to develop a coherent
understanding of a topic or issue.
● NJSLSA.W4. Produce clear and coherent writing in which the development, organization, and style are appropriate to task, purpose, and audience.
● NJSLSA.SL4. Present information, findings, and supporting evidence such that listeners can follow the line of reasoning and the organization,
development, and style are appropriate to task, purpose, and audience.
CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.
Career-ready individuals readily recognize problems in the workplace, understand the nature of the problem, and devise effective plans to solve the problem.
They are aware of problems when they occur and take action quickly to address the problem; they thoughtfully investigate the root cause of the problem prior
to introducing solutions. They carefully consider the options to solve the problem. Once a solution is agreed upon, they follow through to ensure the problem is
solved, whether through their own actions or the actions of others.
9.2 Career Awareness, Exploration, and Preparation: By the end of grade 8, students will be
able to:
STRAND B: CAREER EXPLORATION
9.2.8.B.3 Evaluate communication, collaboration, and leadership skills that can be developed through school, home, work, and extracurricular
activities for use in a career.
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems
individually and collaborate and to create and communicate knowledge.
D. Digital Citizenship: Students understand human, cultural, and societal issues related to technology and practice legal and ethical behavior.
Advocate and practice safe, legal, and responsible use of information and technology.
8.1.8.D.1: Understand and model appropriate online behaviors related to cyber safety, cyber bullying, cyber security, and cyber ethics
including appropriate use of social media.
Core Idea 4: Civic Financial Responsibility
Core Idea(s): The potential for building and using personal wealth includes responsibility to the broader community and an
understanding of the legal rights and responsibilities of being a good citizen.
● 9.1.8.F.2 Examine the implications of legal and ethical behaviors when making financial decisions.
Civic Financial ● 9.1.8.CFR.1: Compare and contrast the role of philanthropy, volunteer service, and charities in
community development and the quality of life in a variety of cultures.
Responsibility: ● 9.1.8.CFR.2: Compare various ways to give back through strengths, passions, goals, and other personal
factors.
● 9.1.8.CFR.3: Relate the importance of consumer, business, and government responsibility to the
economy and personal finance.
● 9.1.8.CFR.4: Examine the implications of legal and ethical behaviors when making financial decisions.
Career Awareness ● 9.2.8.CAP.3: Explain how career choices, educational choices, skills, economic conditions, and personal
behavior affect income.
and Planning:
Essential Questions: Enduring Understandings:
● Why is it important to examine the implications with Learning Goal 1: define ethics as a set of standards that govern the conduct of a
legal and ethical behaviors when making financial person, especially a member of a profession.
decisions?
Learning Goal 2: define legal behavior as the dictates of laws, which are written
down and interpreted by the courts.
Learning Goal 3: Assess ethical issues including the obligations a company has to
its employees, suppliers, customers and neighbors. In particular, business ethics is
concerned with situations when those obligations are inconsistent with economic
or strategic choices, or are in conflict with each other.
Concept 3: Differentiate between ethical and legal behavior Objective 2: TLWBAT/SWBAT Define the concept of a decision tree as it applies to
the ethical dimensions of a decision.
Concept 4: Utilize a decision tree
Objective 3: TLWBAT/SWBAT use decision-tree analysis to consider the effect of
each alternative on stakeholders such as employees, customers, shareholders, and
communities.
Next Gen Personal NGPF is a free K-12 personal finance curriculum and professional Next Gen Personal Finance Middle School
Finance (NGPF) development partner helping teachers deliver essential money Resources
understanding in an easy-to-grasp, engaging way. They offer a https://www.ngpf.org/courses/middle-school/
complete course of up-to-date, customizable lessons and activities
designed to spark participation and make ideas memorable.
National Education Resources to supplement your curriculum and help students gain National Education Association Resources for
Association the financial literacy skills they’ll need to manage their financial Teaching Financial Literacy
resources effectively throughout their lives. http://www.nea.org/tools/lessons/resources-for
-teaching-financial-literacy.html
Hands-On Banking Lessons, activities, and teacher guides from Wells Fargo that cover Hands-On Banking Financial Literacy Resources
kids, teens, and young adults. https://handsonbanking.org/educators/
Federal Deposit Standards-aligned curriculums that can be incorporated into Federal Deposit Insurance Corporation Money
Insurance subjects such as English language arts, mathematics and social Smart Resources
Corporation – Money studies. Multiple lessons and resource guides for teachers. https://www.fdic.gov/consumers/consumer/mo
Smart neysmart/young.html
BIZ Kid$ on PBS: TV TV show that teaches teens about personal finance. Show’s website PBS BIZ Kid$ Personal Finance Resources
Show provides activity guides, lesson plans and games. http://bizkids.com/
Money Math Lessons Lessons for Life is a four-lesson curriculum supplement for middle Money Math Lessons for Life Curriculum
for Life school math classes, teaching grades 7-9 math concepts using Supplement
real-life examples from personal finance. https://www.treasurydirect.gov/indiv/tools/tool
s_moneymath.htm
Kitsap Credit Union – "It's A Money Thing" will introduce you to a collection of humorous, Kitsap Credit Union It's a Money Thing Videos
It’s a Money Thing yet effective financial education videos. Grounded in research, each https://www.kitsapcu.org/services-video-educati
Videos video focuses on a specific topic and takes just a few minutes to on.html
view.
My Classroom My Classroom Economy is a simple classroom economic system My Classroom Economy Website
Economy based on the idea that students need to earn school "dollars" so https://www.myclassroomeconomy.org/
that they can rent their own desks. By bringing real world scenarios
into the classroom, students see the impact of their decisions to
save, spend, and budget.
Financial Beginnings Financial Beginnings offers elementary, middle, and high school Financial Beginnings Website
programs. All of the materials and presenters are available at no https://www.financialbeginnings.org/
cost to schools or participants.
Money SKILL MoneySKILL educates students of all ages on the basic Money SKILL Website
understanding of money-management fundamentals. The course https://afsaef.org/MoneySKILL/About
includes the content areas of income, expenses, saving and
investing, credit, and insurance.
Council for Economic (CEE) is the leading non-profit organization in the U.S. that focuses Council for Economic Education Website
Education (CEE) on personal finance and economic education for students K-12.
https://www.councilforeconed.org/
$martPath Lesson plans and activities that teachers can bring into the $martPath Classroom Lessons and Resources
classroom. $martPath website also has additional resources for https://www.economicscenter.org/teaching-reso
educators. urces/classroom-lessons.aspx
Financial Lessons: lessons for K-12 teachers to use to teach economics and personal Federal Reserve of Philadelphia: Financial Lessons
Federal Reserve of finance in their own classrooms. The lessons emphasize active- and https://www.philadelphiafed.org/education/tea
Philadelphia collaborative-learning teaching methodologies. chers/lesson-plans
The Federal Reserve
Bank of Philadelphia
publishes
Junior Achievement Junior Achievement’s middle school programs foster work Junior Achievement Financial Literacy Programs
readiness, entrepreneurship, and financial literacy skills, and use https://www.juniorachievement.org/web/ja-usa
experiential learning to inspire students to dream big and reach /ja-programs
their potential.
EverFi EverFi is an interactive curriculum that includes quizzes in EverFi Financial Literacy Resources
video-game format. It offers web based tours of the New York Stock https://www.everfi.com/index.php
Exchange and explanations of compounding interest and savings,
the pitfalls of bad credit and consumer fraud to teach students the
core concepts of financial literacy.
Jump$tart Coalition Jump$tart supports the financial education efforts of its partners Jump$tart Financial Literacy Resources
and affiliates, brings together the financial literacy community to https://www.jumpstart.org/
foster cooperation and collaboration. Jump$tart raises the
importance of financial literacy and the importance of effective
financial education.
Formative/Summative/Benchmark Assessments:
Diagnostic Assessment (as Pre-Assessment): Assesses a student’s strengths, weaknesses, knowledge, and skills prior to instruction.
● Pre-assessments per grade level
● Daily Problem of the Day
● Case Studies (teacher guide) and student guide
Formative Assessments: Assesses a student’s performance during instruction, and usually occurs regularly throughout the instruction process.
● Writing Prompts, Journals, and Portfolios, Do-Now(s), Exit Tickets, iXL (performance assessments), Hands on Labs, Projects, Menu Choice
boards, Anticipatory Sets, Problem of the Week
Criterion-Referenced Assessment: Measures a student’s performance against a goal, specific objective, or standard.
Norm-Referenced Assessment: Compares a student’s performance against other students (a national group or other “norm”)
● Alternate Assessments
Interim/Benchmark Assessment: Evaluates student performance at periodic intervals, frequently at the end of a grading period. Can predict
student performance on end-of-the-year summative assessments.
Core Idea 4: Differentiation/Accommodations/Modifications
Content Process Product
Curriculum, standards How students make sense or understand information Evidence of Learning
being taught
Collaborative Problem Solving Use of Multiple Representations Analyze Student Work Multiple Response Strategies
Connect Previous Knowledge to Explain the Rationale of your Math Identify Student’s Mathematical Asking Assessing and Advancing
New Learning Work Understanding Questions