SC Finance Challenge

Middle and high School teachers from public, charter, private, and home schools across South Carolina are invited to register student teams of 3-5 members to compete in the Personal Finance Challenge. The Personal Finance Challenge enables students demonstrate their knowledge of personal finance literacy in an online competition with other middle and high school students from across the state of South Carolina. The following topics are tested: Earning Income, Protecting and Insuring, Using Credit, Buying Goods and Services, and Saving and Financial Investing.

Teacher Registration Student Access

Spring 2019

Register: Now !

Online Challenge:

March 1 - April 12, 2019



Get a head start and start preparing for the Fall Personal Finance Challenge with a multiple choice practice test. Click below and enter your name to begin.

Practice Now

How It Works?

Once you have registered as a teacher, you can begin to create student teams of 3-4 students. After creating your teams, you can download unique access codes for each student. This will serve as the student’s log-in for the competition. Distribute these access codes to your students when they are ready to take the Challenge.

Once the competition begins, students can enter the Finance Challenge ONLINE and complete a 30-question exam consisting of categories of Income and Money Management, Spending and Credit, and Saving and Investing. Each student will be given 35 minutes to take the exam but all team members must complete the exam within 3 hours. Only the top 3 scores will be calculated for the team score. Therefore, a team of 4 students will have the lowest score dropped. 

-Each student is to complete the challenge as an individual and may not work in groups.
-Students may not utilize any outside materials or testing aids during their challenge session.
-The advisor is not to help the students by guiding them or re-phrasing a question. 


Team score is determined by the sum of highest 3 scores of each team. Individual scoring is based on the following:

  • +10 points for each correct answer
  • (-5) points for each incorrect answer
  • 0 points for each unanswered question


South Carolina offers a fall and spring competition for the Personal Finance Challenge. The top three teams in both the middle and high school divisions will earn the following prizes:

1st Place

$50 check to each team member and one coach

2nd Place

$35 check to each team member and one coach


3rd Place

$25 check to each team member and one coach

The teacher with the most teams competing will win a pizza party for 30 students!

Spring 2017 Finance Challenge: 1st Place Winners

Middle School: Kelly Mill Middle School
Teacher: Nicole Smith
High School: Lexington High School,
Teacher Sheryn Billue
See Winners