How it Works

It's quite simple, really!

Go to

Click on Texas.

Register as a teacher.

Once you have registered as a teacher, you can begin to create student teams of three to four students per team. Select the appropriate division - high school or middle school. After creating your teams, you can download unique access codes for each student. Distribute these access codes to your students when they are ready to take the Challenge.

The FinanceChallenge test is based on the Council for Economic Education and Jump$tart Standards.

Click here to view the Jump$tart Standards.

Click here to view the CEE Standards.

Once competition begins, students can enter the Personal Finance Challenge ONLINE website and complete a 30-question, rapid-fire exam consisting of categories on Income and Money Management, Spending and Credit, and Saving and Investing. Each student will be given 35 minutes but all team members must complete the exam within 3 hours.

Each student is to complete the challenge as an individual; students do not work as a group. Students may not utilize any outside materials or testing aids during their challenge session. The advisor is not to help the students by guiding them or re-phrasing a question.

Scoring: the sum of the three individual scores on each team make up the team score. Scoring on individual tests are as follows:

  • +10 points for each correct answer
  • 0 points for each unanswered question


Winners will be notified once the On-line Challenge window has closed.