A growing number of states now recognize the connection between financial capability later in life and integrating financial education into state curricula. States can determine the quantity and quality of the financial education students receive through a variety of policy options. For example, states can explicitly mandate that high school students complete a stand-alone course in personal finance. Alternatively, states can direct school districts to include personal finance in the curriculum of other courses required for graduation. And, as an incremental step, states can require schools to offer an elective course in personal finance, but stop short of making it a condition to graduate. Currently, 46 states include personal finance in their curriculum standards and 13 states require students to pass a personal finance course as a condition of graduation.