Financial Mathematics
A semester course on savings, investments, loans, credit, budgeting and starting a business. It needs Algebra 2 first, and most of the trouble is in the setups, which is exactly what sessions fix.
Maryland · Online tutoring
Online finance tutoring for families in Germantown and Clarksburg.
Montgomery County's graduation requirements for the class of 2029 don't list a stand-alone finance credit, so how much a student learns about loans, credit and investing depends on the electives they pick. I tutor personal finance, the MCPS Financial Mathematics elective, AP Business with Personal Finance and college finance, one-on-one over Zoom.
Private 1-on-1 on Zoom · $250 / hour
Book a session
The courses
What we work on.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
Personal finance from scratch
If your student's schedule never had room for it, we cover budgeting, credit, taxes and investing in a few focused sessions before college or a first job.
AP® Business with Personal Finance
College Board's newest AP course, with the first exam in May 2027. I tutor the subject whether or not your student's school offers the course yet.
Corporate finance over break
Students home from College Park, UMBC or anywhere else often bring their hardest class with them. Break is the best time to fix it before the next exam.
Local schools
Schools in and around Germantown and Clarksburg.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- Seneca Valley High School Germantown
- Northwest High School Germantown
- Clarksburg High School Clarksburg
No separate finance credit in the MCPS requirements
Maryland leaves the finance graduation rule to each county. The MCPS requirements for the class of 2029, who started ninth grade in 2025 to 2026, list English, math, science, social studies, fine arts, health, physical education, technology, service learning and electives, with no stand-alone finance credit. Financial Mathematics is a semester elective. Private schools set their own requirements.
A few of the public high schools that serve the area, named for context only. Online Finance Tutor isn't affiliated with any of them, and your assigned school depends on your address, so check with the district.
A 50/30/20 budget in one example
A student with $1,200 a month from a part-time job and gifts splits it three ways under the 50/30/20 rule: $600 for needs, $360 for wants and $240 for saving. Then we change the numbers to match the student's real life and see where the plan breaks. That second step is where the learning happens.
Germantown and Clarksburg · Maryland
Where students get stuck.
Loans before they sign
Student loans are the first big financial decision most students make, and they make it before anyone has shown them how interest adds up over ten years.
Time value of money
Present value, future value and annuities show up in Financial Mathematics, AP Business and every college finance class. Once it clicks, the rest follows.
Budgets that survive a month
A budget on paper is easy. Making one that holds up against a phone bill, gas and a Friday night is the part nobody practices.
For parents
Parents usually book. Your student joins on Zoom after school or on a weekend, with no trip down I-270. Send me the course, the school and what's giving your student trouble, and I'll tell you honestly whether I can help.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Do you tutor in person in Germantown or Clarksburg?
No. Every session is on Zoom, so there's no travel and scheduling fits around practice and activities. We're on the same Eastern time zone.
My student's school doesn't require a finance class. Is a few sessions enough?
For the basics, usually yes. Budgeting, credit, loans and investing can be covered in a handful of sessions, built around whatever is coming up next for your student: a first job, a car or college.
What does the MCPS Financial Mathematics course need first?
The MCPS course catalog lists Algebra 2 as the prerequisite. If your student is shaky on the algebra underneath, we can cover that alongside the finance.
My student goes to a private school. Which rules apply?
The ones their school sets. MCPS rules cover MCPS schools only, so we work from your student's actual course and syllabus.
Does my student's school offer AP Business with Personal Finance?
Ask the school. The course is brand new for 2026 to 2027 and each school decides whether to offer it. I tutor the subject either way, including students studying for the exam on their own.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Is tutoring allowed under my school's honor code?
Tutoring on concepts and practice problems is generally fine, but policies on graded work vary by course. I don't complete graded assignments. Check your syllabus's collaboration policy, and if you're unsure, ask your professor.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
Book your first sessionOnline Finance Tutor is independent. It isn't affiliated with or endorsed by any school named on this page. AP is a trademark registered by the College Board, which is not affiliated with, and does not endorse, this site.