The required personal finance course
Budgeting, banking, credit, borrowing, taxes, insurance and investing. Schools are building these courses now, so materials vary a lot from one school to the next.
Pennsylvania · Online tutoring
Online finance tutoring for families in Philadelphia's Main Line.
Pennsylvania's personal finance requirement starts with the 2026 to 2027 school year, and the state's guidance says it covers private schools as well as public ones. Each district picks the grade, so Main Line students meet it at different times. I tutor that course, AP Business 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.
Beyond the required course
Main Line schools offer economics, business and investing electives. We work from your student's actual syllabus, not a generic textbook.
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 Wharton, Villanova, Penn State or anywhere else often bring their hardest class with them. Break is the best time to fix it.
Local schools
Schools in and around the Main Line.
What a student studies in finance depends on the school and the state. Checked October 29, 2026.
- Lower Merion High School Ardmore
- Harriton High School Rosemont
- Radnor High School Radnor
- Haverford High School Havertown
- The Haverford School Haverford
- The Agnes Irwin School Rosemont
- The Episcopal Academy Newtown Square
- Academy of Notre Dame de Namur Villanova
- Malvern Preparatory School Malvern, nearby
A personal finance course, public and private
Starting in 2026 to 2027, every Pennsylvania high school student must take a personal financial literacy course worth at least half a credit, sometime in grades 9 to 12. The state's guidance says it applies to nonpublic schools too. Each school decides the grade, so the first class affected varies.
A few of the high schools families in the area attend, named for context only. Online Finance Tutor isn't affiliated with any of them. Your public school depends on your township and address.
A first budget, 50/30/20
Say a recent graduate takes home $2,400 a month. The 50/30/20 rule puts $1,200 toward needs like rent and groceries, $720 toward wants, and $480 toward savings and debt. It's a starting point, not a law, and most of a good lesson is adjusting it to a real life.
the Main Line · Pennsylvania
Where students get stuck.
A course still being built
When a school is teaching a course for the first time, students often get more vocabulary than practice. Sessions add the worked problems.
Budget math
Turning take-home pay into a plan sounds simple until taxes, savings goals and irregular income show up. We build one with real numbers.
Investing and risk
Why diversification works and what a fund fee really costs over 30 years. These are the parts of the course with the most math.
For parents
Parents usually book. Your student joins on Zoom after school or on a weekend, with no drive on Lancaster Avenue. 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 on the Main Line?
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.
Does Pennsylvania's requirement apply to private schools?
The Department of Education's guidance says the Act 35 requirement covers both public and nonpublic schools. Each school decides when students take it, so check with yours.
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.