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Study 12 hours a week


"Dual credit" means a course can be applied both to a high school transcript and a college degree. Generally, a one-semester 3-credit college course is equal to a standard, year-long high school course. When applied to a high school transcript, Foundations in Personal Finance is equal to one year of lower-level consumer math. In college, this course will typically be applied as an elective or business elective.


Minimum 14 years old

Foundations in Personal Finance teaches you how to manage your money before graduating (or going to) college. This course, brand new to the online format, will empower you to create a practical plan for your money. You will learn to save, budget, spend wisely, live free from debt and how wise planning and investing can help make your retirement dreams a reality. (Yes, really).

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Foundations book
    • Describe emergencies that can happen during college and prepare a financial plan for them.
    • Explain the three basic reasons for saving money (emergency fund, purchases and wealth building).
    • Design and apply a zero-based budget based on students' income and expenses.
    • List ways to earn money while attending college.
    • Calculate tax withdrawals and fill out tax forms.
    • Describe reasons for avoiding debt.
    • Demonstrate how to reduce debt by applying the debt snowball.
    • Summarize how to apply for financial aid.
    • Explain effective job-search tools, such as cover letters, resumes and interviews.
    • Compare different personality traits in relation to money management.
    • Integrate healthy communication about money with parents, roommates and others.
    • Identify marketing strategies that encourage college students to go into debt.
    • Summarize and apply the five basic rules for making large purchases.
    • List the seven guidelines of negotiation.
    • Discuss ways to save money while attending college.
    • Describe the value of credit reports and credit scores.
    • Communicate effectively with credit bureaus and other agencies about collection issues.
    • Identify the types of insurance coverage needed during and after college.
    • Explain why insurance is an essential part of a healthy financial plan.
    • Compare and contrast various types of investments.
    • Define the relationship between diversification and risk.
    • Classify various types of retirement savings options.
    • Define the relationship between diversification and risk.
    • Explain helpful tips for buying and selling homes and properties.
    • Compare different types of mortgages.
Headshot dave

America's trusted voice on money and business, Dave has authored seven best-selling books including The Total Money Makeover and Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 13 million listeners each week on more than 585 radio stations and through digital outlets.

Headshot rachel

As a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps Americans learn the proper ways to handle money and stay out of debt. She’s authored two best-selling books: Love Your Life, Not Theirs and Smart Money Smart Kids, which she co-wrote with her father, Dave Ramsey.

Headshot chris

Chris Hogan is the #1 national best-selling author of Retire Inspired: It’s Not an Age. It’s a Financial Number and host of the Retire Inspired Podcast. A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses.

Before getting started, we'll make sure this course transfers to your college.

You don't have to pay right now.

We'll build you a Degree Plan (for free) for whichever school you'd like to attend to ensure this credit transfers. (And to ensure you’re not wasting your time and money.)

Yes! We'll build you a dual credit Degree Plan to show how the credit can be used on your high school transcript AND be transferred to your chosen college.

Actually... no. This specific course is only available through select colleges and Lumerit Scholar.

When purchased individually, the course is $599. To purchase this course as part of a program/bundle, see our pricing page.