Consumer education
Credit scoring, loans, budgeting, taxes, insurance and student loans. Because it can sit inside another course, some students get only a few weeks of it, and that is a good reason to go deeper one-on-one.
Illinois · Online tutoring
Online finance tutoring for families in Naperville.
Illinois requires every public high school student to take consumer education, which covers credit, budgeting, banking, taxes and loans. Districts can teach it inside other courses, so how much practice a student gets varies by school. I tutor that material, 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 much 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 the University of Illinois, Wisconsin, Indiana or anywhere else often bring their hardest class with them. Winter break and summer are the best time to fix it.
Local schools
Schools in and around Naperville.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- Naperville Central High School Naperville
- Naperville North High School Naperville
- Neuqua Valley High School Naperville
Nine weeks of consumer education, taught inside a course or on its own
Illinois law requires public school students in grades 9 to 12 to study consumer education, including credit, budgeting, savings and investing, banking, taxes, insurance and student loans. The State Board of Education's 2026 to 2027 summary says each high school student takes it for 50 minutes a day for nine weeks or the equivalent, in any of grades 9 to 12, and districts may fold it into other courses or teach it as a separate course. The required course list has no stand-alone finance credit, though part of one semester of social studies may be a financial literacy course.
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.
Credit card interest in one example
A student carries a $1,000 balance on a card with a 24% APR. That is 2% a month, so one month of interest is about $20 before any new purchases. Pay only the minimum and most of the payment goes to interest. Seeing that on a real statement is usually when credit stops feeling abstract.
Naperville · Illinois
Where students get stuck.
Credit card interest
A card that charges 24% APR charges about 2% a month, and that adds up faster than students expect. We work through a real balance to see what the minimum payment does.
Student loans
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 AP Business and every college finance class. Once it clicks, the rest follows.
For parents
Parents usually book. Your student joins on Zoom from home after school or on a weekend, around practice and activities, with no drive on I-88 or Route 59. We're on Central time. 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 Naperville?
No. Every session is on Zoom, so there's no travel and scheduling fits around practice, work and activities. We're on the same Central time zone.
Is there a separate finance class my student has to take?
Not by state rule. Illinois requires consumer education, and districts can teach it inside other courses. Ask your student's counselor where it sits in their schedule.
Which district is my student in, 203 or 204?
Naperville is served by both Naperville CUSD 203 and Indian Prairie CUSD 204, and the district depends on your address. Check with the district, and tell me which one so I can work from the right course list.
My student goes to a private school. Does the Illinois rule apply?
The rule the state describes covers public schools. Ask your student's school which course they take, and we'll work from that course and its 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.