Arizona Personal Finance Challenge: How It Works

The Arizona Personal Finance Challenge consists of two rounds.

This assessment is open to all Arizona students with no obligation to participate in any further rounds of competition.

1st Round - Online testing

2nd Round - PFC Finals - Quiz Bowl

New Teachers:

You will need to complete the Teacher Registration and be approved by your local administrator before you can begin creating teams.  See this video for help in this area.  New Teacher Registration (All videos are from our counter parts in Nebraska but the platform works the same for all states)

Creating Teams:

If you are ready to create your teams for this year's competition, you may do so by accessing your Team Administration page and selecting 'Create New Team'.  See this video for help in this area.   Creating a Team (All videos are from our counter parts in Nebraska but the platform works the same for all states)

Student Access Codes:

Once your teams have been created, each student will be assigned a unique access code that can only be used once - at the time of completing the challenge - and can only be used by that student.  See this video for help in this area.  Student Codes (All videos are from our counter parts in Nebraska but the platform works the same for all states)

Completing the Challenge:

When it is time for students to complete the challenge, they will select 'Student Access' and enter their access code that was assigned to them. They will then complete a short identification and challenge integrity confirmation before they begin the challenge.  See this video for help in this area.  Completing the Challenge (All videos are from our counter parts in Nebraska but the platform works the same for all states)

Fall Online Testing session dates will be November 3 - 21, 2025

Spring Online Testing session dates will be March 2 - 27, 2026

Teams of 3-4 students will have 35 minutes to complete a 30-question online exam covering the principles of personal finance; including money management, credit, investing, and insurance.   Teams can compete in the online challenge during the Fall testing session and/or the Spring testing session.

Accessing Student Data:

Once all of your student teams have completed the challenge, teachers can access their scoring and category data from their team administration page. Scoring data will show both the individual student score as well as the team score, while the category report will show student performance in each subject.  See this video for help in this area.  Accessing Student Data  (All videos are from our counter parts in Nebraska but the platform works the same for all states)

Arizona Personal Finance Challenge Finals -2026 April 17, 2026

Top scoring teams will be invited to the in-persons Finals.  The final round of competition consists of a fast-paced Quiz Bowl.  Additionally, all teams are encouraged to compete in the Personal Finance Case Study Competition. 

The Arizona Personal Finance Challenge State Champions, and National Competition Qualifiers, will be the team from EACH division with the highest cumulative score from the PFC and the Personal Finance Case Study competition.