ICCU + Stukent
ICCU + Stukent
Helping Students Find Their Financial Balance
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.
$
million
invested over 5 years
+
schools sponsored
+
students supported
Help your students build financial literacy skills for free
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!
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 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
The homework that makes cents
How the Stukent Personal Finance Simulation brings hands-on learning into your classroom
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.
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.
From bank accounts to big decisions:
From bank accounts to big decisions:
Simulation features that foster financial literacy
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.
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.
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.
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.
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.
Buying Grades
By applying budgeting skills, students regularly purchase their Personal Finance Simulation score.
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.
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.
Buying Grades
By applying budgeting skills, students regularly purchase their Personal Finance Simulation score.
Life Happens
Just like the real world is full of surprises, students experience unexpected events that influence their finances.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Thank you for partnering with ICCU and Stukent! This program will help you teach personal finance in a fun and engaging way that will enhance your classes and the lives of your students!
†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/
CONTACT US
© 2025 — Stukent Inc. All Rights Reserved
CONTACT US
© 2025 — Stukent Inc. All Rights Reserved
CONTACT US
© 2025 — Stukent Inc. All Rights Reserved