Valley Credit Union has partnered with Stukent to provide high school students in Montana 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.
Thanks to Valley Credit Union, 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!
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.
Students start with budgets to track and basic bills to pay. Academic performance in class determines if they earn a raise or lose income.
Just like the real world is full of surprises, students experience unexpected events that influence their finances.
By applying budgeting skills, students regularly purchase their Personal Finance Simulation score.
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.
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.
†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/
Please note that our offices will be closed for a Winter Break Wednesday December 24, 2025 through Thursday January 1, 2026.
During the break Stukent Support will be monitoring incoming emails for urgent requests. We will resume normal business hours and respond to all emails and voicemails in the order received beginning Friday, January 2, 2026, at 6:00 AM MT.
Please note that our offices will be closed on Thursday, November 27th, and Friday, November 28th, in observance of Thanksgiving Day.
We will resume normal business hours beginning Saturday November 30th, at 10:00 AM MT.
Please note that our offices will be closed on Monday September 1, 2025 in observance of Labor Day.
We will resume normal business hours and respond to all emails and voicemails beginning Tuesday, September 2nd, at 6:00 AM MT.