Requires public high school students to receive financial literacy instruction on higher education costs, student financial assistance, and cryptocurrencies.

This New Jersey bill (A 855) requires all public high school students to receive mandatory financial literacy instruction covering four key areas: applying for financial aid, understanding higher education costs and funding options (loans, grants), student loan rights and payment choices, and cryptocurrency risks including "get rich quick" scams. It directly affects every public high school student in New Jersey by adding these topics to existing financial literacy curriculum requirements. The bill mandates school boards to integrate these specific lessons into secondary education programs, effective immediately for the next full school year after enactment. The policy aims to provide practical, real-world financial education without endorsing any specific financial products or services.