ICCU + Stukent

Helping Students Find Their Financial Balance

ICCU has partnered with Stukent to provide high school students in Idaho, Eastern Washington, and Southern Arizona with FREE access to the Stukent Personal Finance Simulation. This simulation gives high school students hands-on experience with essential personal finance skills, including budgeting, paying bills, investing, and more.

ICCU’s support has already given more than 17,000 students across 200 schools hands-on experience with money management, setting them up for lifelong success. It’s just one of the many ways ICCU helps communities succeed, one classroom at a time.

Get Your School Started Today!

Help your students build financial literacy skills for free

Thanks to ICCU, you can implement the Stukent Personal Finance Simulation and curriculum in your classroom for free!

The majority of high school students in the United States graduate without the skills to budget, save, invest, or make informed financial decisions. As of 2023, less than a quarter of high school students graduated with some financial literacy education.†

However, you can put your students on the path to financial independence! The Stukent Personal Finance Simulation introduces your students to financial literacy principles in an immersive, engaging way. Your students will get hands-on experience with skills like budgeting, paying bills, filing taxes, applying for loans, and much more!

The homework that makes cents

How the Stukent Personal Finance Simulation brings hands-on learning into your classroom

The Stukent Personal Finance Simulation helps students develop the knowledge and skills they need for long-term success. The simulation goes beyond a basic understanding of financial concepts, providing your students with an immersive, hands-on experience with real-world money management strategies. 

How it works: Each week, students receive a paycheck to allocate to bills, debts, and surprise expenses. To succeed, they must budget their money wisely; invest in housing, a vehicle, and health insurance plans that fit their budget; maintain a positive credit score; and other essential financial tasks.

Learn More

From bank accounts to big decisions: Simulation features that foster financial literacy

Banking Basics

Students start with budgets to track and basic bills to pay. Academic performance in class determines if they earn a raise or lose income.

Life Happens

Just like the real world is full of surprises, students experience unexpected events that influence their finances.

Buying Grades

By applying budgeting skills, students regularly purchase their Personal Finance Simulation score.

Assets & Liabilities

Students develop credit scores based on in-class behavior and simulation decisions. The scores allow them to take on liabilities and purchase assets like cars and real estate.

Income Growth

Students develop credit scores based on in-class behavior and simulation decisions. The scores allow them to take on liabilities and purchase assets like cars and real estate.

"This program has transformed by Business Mathematics class! Students are excited about coming to class and have taken so much more ownership! They are constantly talking throughout the day about this program and finances! It is so exciting!! Thank you so much!!!"
Tracy B.Salmon High School
“Parents have commented every year since I started teaching about the need for students to learn personal finance in high school. I have tried to do this effectively each year, but it can be a struggle to give students real-world experience. With Stukent's Mimic Personal Finance, it gives them the real-world experience they need. They find it to be engaging and they learn how to budget effectively. My students were able to pass the Wise Personal Finance Certification with the information they learned in the simulation and are ready to take on the world!”
Pam K.Shelley High School
"Gem State Adventist Academy has appreciated the donation from the ICCU for use of the Stukent Personal Finance Simulation. Our students have learned about credit reports and scores, how to manage finances on a budget, how to save for those rainy days, the importance of understanding interest and credit card debt, and many aspects of purchasing a vehicle and home! They have learned all this while having fun doing it. Thank you, ICCU, for your generous contribution to helping the students of Idaho understand the importance of personal finance."
Patricia F.Gem State Adventist Academy
"The Stukent Personal Finance simulation has been really helpful to my teaching. It allows students to practice things that we teach. This allows the students to get more of a hands-on type of experience and makes it easier to teach certain principles to the students. Thanks so much for letting us use this program in my classes."
Nord P.North Gem High School

 

†Bryant, G., Lin, N., Brennan, D., and Henrie, A. (2024). Investing in tomorrow: Lifetime value of financial education in high school. Tyton Partners. Retrieved March 7, 2025 from https://tytonpartners.com/investing-in-tomorrow-2024/