Table . Financial Literacy Pilot Interventions and Courses, by Site Site Intervention or Course Curricula Academic Department Grade Levels Required, Elective, or Voluntary Duration Fall River – BMC Durfee High School Durfee 21st Century Community Learning Center Developed by Durfee FLP team with materials and input from Junior Achievement and Baycoast Bank N/A 9–12 Voluntary program Half year (beginning in January due to delayed participation in grant) Haverhill – Haverhill High School Money Matters/Banking Developed by Haverhill FLP team with materials from National Endowment for Financial Education (NEFE), banking textbook, Junior Achievement (Finance Park), and On Your Own Coast-to-Coast game N/A 9–12 Elective Two quarters Earning, Learning, and Investing Developed by Haverhill FLP team with materials from Earning, Learning, and Investing for a New Generation Textbooks, Virtual Business Game from Knowledge Matters EBiT Academy Business/ Accounting Strand 11, 12 Required as part of the strand Two quarters Night School Program Developed by Haverhill FLP team with materials from NEFE (primarily) and On Your Own Coast-to-Coast game N/A 9–12 Required for students enrolled in Night School Program Half year (beginning in January) Holyoke – Dean Technical High School Personal Finance Developed by Dean FLP team with curriculum, materials, and guidance from Junior Achievement of Western Massachusetts. Mathematics 12 Elective Full year Freshman Algebra Developed by Dean FLP team with curriculum, materials, and guidance from Junior Achievement of Western Massachusetts. Mathematics 9 Required for freshmen Full year
Lowell – Lowell High School Freshman Academy Developed by Lowell FLP team with materials from NEFE (primarily) and input from Lowell High School’s mathematics and business teachers Across subject areas in Freshman Seminar 9 Requirement for freshmen Second semester of Freshman Seminar Personal Finance Stand-alone personal finance course modified and enhanced by Lowell FLP team with input from Lowell High School’s Mathematics and business teachers. Business 10-12 Elective Semester-long course Accounting Modified and enhanced by Lowell FLP team with input from Lowell High School’s Mathematics and business teachers. Business 10-12 Elective Components included in year-long course Lynn – Lynn Classical High School Algebra I (8 sections) Financial literacy–infused mathematics lessons developed by Lynn mathematics faculty and Valmo Villages’ Financial Fluency curriculum Mathematics Department 9 Required Components included in year-long course Algebra II (8 sections) Financial literacy–infused mathematics lessons developed by Lynn mathematics faculty and Valmo Villages’ Financial Fluency curriculum Mathematics Department 10,11,12 Required Components included in year-long course Algebra III – College Algebra (5 sections) Financial literacy–infused mathematics lessons developed by Lynn faculty and Valmo Villages’ Financial Fluency curriculum Mathematics Department 11,12 Class in mathematics course sequence Components included in year-long course Pre-Calculus Financial literacy–infused mathematics lessons developed by Lynn math faculty and Valmo Villages’ Financial Fluency curriculum Mathematics Department 11,12 Class in mathematics course sequence Components included in year-long course
Computer Literacy (4 sections) Financial literacy–infused lessons developed by Lynn faculty and Valmo Villages’ Financial Fluency curriculum Applied Technology Department 9 (primarily) Elective Semester-long course (offered both semesters) Financial Literacy (2 sections) Developed by Lynn faculty with materials from NEFE, Council for Economic Education and input from Valmo Villages Social Studies Department 11, 12 Elective Full year Street Law (2 sections) Two-week stand-alone module developed by Lynn social sciences faculty with input from Valmo Villages Social Studies Department 11, 12 Elective Two-week stand-alone module in a year-long course Spanish II (9 sections) Developed by Lynn Spanish faculty with input from Valmo Villages Foreign Languages Department 9, 10, 11 Elective Year-long, financial literacy components in second semester Quincy – North Quincy High School Gaining Opportunities and Acquiring Learning Skills Developed by Quincy and North Quincy FLP Team with materials from NEFE, St. Louis and Arizona Federal Reserve Banks, JumpStart, and Quincy Credit Union; customizable to students’ needs Special Population 11, 12 (primarily) N/A Components included in year-long program Positive Academic and Social Success Program Developed by Quincy and North Quincy FLP Team with materials from NEFE, St. Louis and Arizona Federal Reserve Banks, JumpStart, and Quincy Credit Union; customizable to students’ needs Special Population 11, 12 N/A Components included in year-long program English Language Learners Program Developed by Quincy and North Quincy FLP Team with materials from NEFE, St. Louis and Arizona Federal Reserve Banks, JumpStart, and Quincy Credit Union; customizable to students’ needs Special Population 11, 12 N/A Components included in year-long program
Business Technology Program Focus on aligning financial literacy content with Common Core’s speaking and listening components as well as Quincy FLP curriculum Career and Technical Education Business Technology Program 11, 12 Required for students in Business Technology program Components included in the first year of a program Quincy – Quincy High School Quincy Teen Mothers Program Developed by Quincy and North Quincy FLP Team with materials from NEFE, St. Louis and Arizona Federal Reserve Banks, JumpStart, and Quincy Credit Union, customizable to students’ needs Special Population 11, 12 (primarily) N/A Components included in year-long program Quincy Evening High School See above Special Population 11, 12 N/A Components included in year-long program Pre-English Language Learners Program See above Special Population 11, 12 N/A Components included in year-long program Business Technology Program Focus on aligning financial literacy content with Common Core’s speaking and listening components as well as Quincy FLP curriculum Career and Technical Education Business Technology Program 11, 12 Students choose to enroll in Business Technology Program Components included in the first year of a program Revere – Revere High School Financial Literacy course Four financial literacy units developed by Revere FLP team with materials from NEFE, Federal Reserve, and other materials None 11, 12 (primarily) Elective One quarter (block schedule – 60 hours) Advisory Period – Financial Literacy Weeks Components of curriculum developed by Revere FLP team N/A 9–12 Required Two week-long interventions
Design and Visual Activities provided by / developed with Junior Achievement of Western MA including: Entrepreneur Event (with Mychal Connolly and John Sortino) and JA EnTEENpreneur Challenge Design and Visual strand 10–12 Students choose to enroll in Design and Visual strand Activities in the spring semester Horticulture Activities provided by / developed with Junior Achievement of Western MA including: JA High School Heroes Horticulture strand 11 Students choose to enroll in Horticulture strand One time activity in spring semester (April) Career Planning Activity provided by with Junior Achievement of Western MA including: JA Finance Park Virtual NA 10–12 Elective Ongoing activity throughout school year Economics Curriculum and activities provided by JA of Western MA including JA Economics, JA My Dream My Future Conference NA 11,12 Elective One semester JA in a Day JA’s Economics for Success (exploratory program version) NA 9 Required One day H&R Block Knowledge Matters Online curriculum developed by H&R Block with lessons including Personal Finance, Retailing, Management, and Restaurant NA 9–12 Voluntary Students can access lessons as desired (5 year access for entire school) Worcester – Worcester Technical High School Cosmetology Trade NFTE curriculum components, New York Wholesale District buying trip and bazaar exercise, and business plan capstones (including partnering with Clark University Entrepreneurship students) See Intervention or Course column 10–12 Students choose to enroll in a trade Financial literacy components included in year-long trade program Electromechanical Trade NFTE curriculum components and business plan capstones (including partnering with Clark University Entrepreneurship students) See Intervention or Course column 10–12 Students choose to enroll in a trade Financial literacy components included in year-long trade program
Finance and Marketing Trade NFTE curriculum components and Financial Literacy Initiative outreach presentations to community groups (in partnership with Worcester Credit Union) See Intervention or Course column 10–12 Students choose to enroll in a trade Financial literacy components included in year-long trade program Hospitality and Restaurant Management Trade NFTE curriculum components and New York Wholesale District buying trip and bazaar exercise See Intervention or Course column 10–12 Students choose to enroll in a trade Financial literacy components included in year-long trade program Programming and Web Development Trade NFTE curriculum components and business plan capstone projects See Intervention or Course column 10–12 Students choose to enroll in a trade Financial literacy components included in year-long trade program Pre-Calculus Five weeks of “financial literacy enhancement” using NFTE components Mathematics 12 Elective (dependent on mathematics ability) One quarter
Table . Financial Literacy Pilot Student Participation by Gender Site Total (N) Gender Male Female All Sites 2,207 49% 51% Fall River - BMC Durfee High School 44 57% 43% Haverhill - Haverhill High School 20 60% 40% Holyoke - Dean Technical High School 14 43% 57% Lowell - Lowell High School 718 51% 49% Lynn - Lynn Classical High School 461 49% 51% Quincy - North Quincy High School 79 58% 42% Quincy - Quincy High Schools 40 47% 53% Revere - Revere High School 89 45% 55% Salem - Salem High School University 78 56% 44% Springfield - Putnam Vocational Technical Academy 534 49% 51% Worcester - Worcester Technical High School 130 34% 66%
Table . Financial Literacy Pilot Student Participation by Race or Ethnicity N=2,207 Site Total (N) Race or Ethnicity White Black or African American Asian American Indian or Alaska Native Native Hawaiian or Pacific Islander Multiracial Non-Hispanic Hispanic or Latino 2,207 29% 14% 19% <1% 0% 3% 35% Fall River - BMC Durfee High School 44 68% 9% 9% 0% 0% 5% 9% Haverhill - Haverhill High School 20 70% 5% 0% 0% 0% 0% 25% Holyoke - Dean Technical High School 14 7% 0% 0% 0% 0% 0% 93% Lowell - Lowell High School 718 32% 9% 38% <1% 0% 1% 20% Lynn - Lynn Classical High School 461 28% 13% 15% 0% 0% 4% 40% Quincy - North Quincy High School 79 22% 5% 66% 0% 0% 0% 8% Quincy - Quincy High Schools 40 78% 13% 3% 3% 0% 0% 5% Revere - Revere High School 89 45% 2% 5% 0% 0% 3% 45% Salem - Salem High School University 78 55% 6% 0% 0% 0% 8% 31% Springfield - Putnam Vocational Technical Academy 534 11% 24% 2% 0% 0% 5% 58% Worcester - Worcester Technical High School 130 29% 14% 19% <1% 0% 3% 31%
Table . Financial Literacy Pilot Student Participation by ELL Status Site Total (N) ELL Students Non-ELL Students All Sites 2,207 10% 90% Fall River - BMC Durfee High School 44 0% 100% Haverhill - Haverhill High School 20 0% 100% Holyoke - Dean Technical High School 14 36% 64% Lowell - Lowell High School 718 9% 91% Lynn - Lynn Classical High School 461 6% 94% Quincy - North Quincy High School 79 68% 32% Quincy - Quincy High Schools 40 2% 98% Revere - Revere High School 89 2% 98% Salem - Salem High School University 78 1% 99% Springfield - Putnam Vocational Technical Academy 534 12% 88% Worcester - Worcester Technical High School 130 6% 94%
Table . Students’ Pre- to Post-test Score Changes by Site Decrease from Pre- to Post-test Score No Change Increase from Pre- to Post-test Score Site Total # of Students Participating in Courses Total # of Students with Pre- and Post-scores (N) 16 – 20 points 11 – 15 points 6 – 10 points 1 – 5 points 0 1 – 5 points 6 – 10 points 11 – 15 points 16 – 20 points All Sites 3,439 2,093 0% <1% 1% 14% 13% 44% 23% 5% <1% Fall River – BMC Durfee High School 75 14 0% 0% 7% 43% 14% 36% 0% 0% 0% Haverhill – Haverhill High School 175 20 0% 0% 0% 0% 15% 85% 0% 0% 0% Holyoke – Dean Technical High School 403 14 0% 0% 0% 29% 7% 0% 29% 36% 0% Lowell – Lowell High School 832 734 0% <1% 1% 15% 11% 52% 18% 23% 0% Lynn – Lynn Classical High School 600 463 0% 0% 0% 1% 3% 37% 49% 10% 0% Quincy – North Quincy High School 80 78 0% 0% 1% 6% 5% 33% 29% 23% 1% Quincy – Quincy High Schools 41 38 0% 0% 0% 0% 8% 66% 26% 0% 0% Revere – Revere High School 109 89 0% 0% 0% 3% 2% 16% 60% 19% 0% Salem – Salem High School 80 64 0% 0% 2% 25% 11% 54% 8% 2% 0% Springfield – Putnam Vocational Technical Academy 822 534 0% 0% 2% 28% 28% 38% 4% <1% 0% Worcester – Worcester Technical High School 222 45 0% 0% 0% 9% 20% 71% 0% 0% 0%