Skip to main content
FLC
EspañolSearchMy progressStart learning

Free, practical financial education — built by students.

Financial Literacy Club (FLC) exists to give students free, practical financial education that prepares them for real-world financial decisions.

Most people learn about money the hard way.

Students are expected to sign a lease, choose a student loan, read a paycheck, and start saving for retirement — often without ever being taught how any of it works.

FLC exists to close that gap. We believe financial education should be free, practical, and made for students — clear enough to understand on day one, and useful for decades after.

Six areas every student should understand

Students first — and the adults who support them

FLC is designed for high school students, roughly ages 14–18. It's also useful for middle school students, parents, teachers, schools, and youth and community organizations.

A student-led organization

  • Mateo Lerma

    President & Founder

    Founded FLC as a student in Austin, Texas and writes and edits its courses.

FLC was started by Mateo Lerma, a student in Austin, Texas, to close a gap students run into every day: we're expected to handle paychecks, credit, and loans long before anyone teaches us how money works.

What began as a student-led club at one school is now a free online program anyone can use: six courses, interactive calculators and games, and lesson plans so teachers can bring FLC into their own classrooms.

FLC is a student-led organization based in Austin, Texas. We make free courses, calculators, and classroom materials so any student can learn how money works — and any teacher can teach it.

We want FLC to be a source students, parents, and teachers can trust. Every lesson lists its sources, is written in plain language, and is reviewed every year.

Read our editorial standards

How we build our courses

Being student-led means we hold ourselves to clear standards.

Education, not advice

We explain how things work. We don't recommend specific investments or financial products.

Honest numbers

Every lesson lists its sources, mostly government agencies and regulators. Examples are clearly labeled hypothetical.

Privacy first

Many of our learners are minors. No account is needed, and progress stays on your device.

Checked every year

Every January we re-check numbers that change, like tax rules and contribution limits. Each lesson shows when it was last reviewed, and automated tests check every calculation.

From one school to every student who needs it

FLC is built to grow — through chapters, teachers, and a curriculum any school can use for free.

  1. Stage 1

    One school

    Where FLC started: a student-led club.

  2. Stage 2

    Across Austin

    Chapters at more schools in the Austin area.

  3. Stage 3

    Across Texas

    A statewide network of chapters and the FLC Challenge.

  4. Stage 4

    Nationwide

    Free financial education for any student, anywhere.

Start a chapterSee our impact