Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the option that b...

The Growing Movement for Financial Education in American Schools

Financial education has become a pressing priority in the United States. Data from the National Endowment for Financial Education show that 29 states now require high school students to complete a personal finance course before graduation, (18) __________. When these policies are fully implemented by 2031, about 73% of American students will receive formal financial literacy instruction—a dramatic change from a few years ago, (19) __________.

This push is driven by troubling indicators of money management. Roughly 65% of Americans live paycheck to paycheck, and (20) __________. Studies also suggest that students who take a semester-long personal finance class are far more likely to feel prepared to handle real-world finances.

The benefits extend beyond individual families. States with comprehensive programs report better outcomes for young adults, including higher credit scores, lower credit-card delinquency, and increased participation in retirement plans—signs that early instruction can shape lifelong habits. By budgeting, saving, and investing responsibly, (21) __________.

Still, implementation remains uneven. Teacher training and curriculum quality vary widely, and many schools struggle to find qualified instructors. Some states (22) __________, which may reduce depth and effectiveness.

[Adapted from National Endowment for Financial Education]