NJ S3497

Mandates a one-semester (or one-trimester) financial literacy course as a graduation requirement for all New Jersey high school students, first applying to students entering 12th grade in the 2027-2028 school year

Expands existing middle school financial literacy requirements (grades 6-8) and adds high school coursework covering budgeting, savings, credit, debt, insurance, investment, behavioral economics, banking, consumer skills, taxes, college financial planning, and accounting

Requires financial literacy instruction to be taught by teachers holding appropriate endorsements as determined by education regulations

Prohibits courses focused primarily on economic, business, or entrepreneurial literacy from satisfying the financial literacy requirement

Directs the Commissioner of Education to provide school districts with sample instructional materials and resources to support implementation