Requires high school students to receive financial literacy instruction.

New Jersey Senate Bill S3497 requires all public high school students to complete a one-semester financial literacy course as part of graduation requirements for a State-endorsed diploma. The course must cover practical money skills like budgeting, credit, debt, college financial planning, and taxes, and cannot be satisfied by business or entrepreneurship courses. Teachers must hold specific endorsements in subjects like Business, Social Studies, or Family and Consumer Sciences. This requirement applies to students entering 12th grade in the 2027-2028 school year, building on existing middle school financial literacy mandates. The bill aims to standardize financial education across high schools statewide.