Financial literacy, grade 11 or 12
Budgeting, banking, credit, loans, taxes and investing basics. Students who want more than a pass, or who are stuck on the interest math, get the same topics one-on-one.
Georgia · Online tutoring
Online finance tutoring for families in Peachtree City and Fayetteville.
Georgia law has required every local school board to have students complete a half-credit financial literacy course in eleventh or twelfth grade since the 2024 to 2025 school year, so Fayette County juniors and seniors are in that group. I tutor that course, 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.
Finance before junior year
Because the course comes late, a ninth or tenth grader can learn budgeting, credit and loans first. A few sessions then makes the required course feel familiar.
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 UGA, Georgia Tech, Georgia State 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 Peachtree City and Fayetteville.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- McIntosh High School Peachtree City
- Starrs Mill High School Fayetteville
- Whitewater High School Fayetteville
- Fayette County High School Fayetteville
- Sandy Creek High School Tyrone, nearby
A half-credit financial literacy course in grade 11 or 12
Under SB 220, beginning in the 2024 to 2025 school year each local board of education must require students to complete at least a half-credit financial literacy course during eleventh or twelfth grade as a condition of graduation. The course can count toward a math, social studies or elective credit, and the State Board of Education sets its content standards.
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 budget example
A student takes home $600 a month from a part-time job. Using the 50/30/20 split, that's $300 for needs, $180 for wants and $120 for savings. Then we look at what happens when a phone bill and a gas fill-up eat most of the needs line. Most students find the split is a starting point to adjust, not a rule.
Peachtree City and Fayetteville · Georgia
Where students get stuck.
Building a budget that works
Fixed costs, flexible spending and savings are easy to list and hard to balance. We build one from a student's real income, such as a part-time job.
Credit and borrowing
What moves a credit score, what a car loan really costs, and why paying only the minimum takes years. We do the math with real numbers, not definitions.
Paychecks and taxes
Gross pay, net pay, withholding and a W-4 look nothing like math class. Once a student has worked through one real pay stub, the unit gets much easier.
For parents
Parents usually book. Your student joins on Zoom from home after school or on a weekend, with no drive on Highway 54. Send me the course name, 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 Peachtree City or Fayetteville?
No. Every session is on Zoom, so there's no travel and scheduling fits around practice, work and activities. We're on the same Eastern time zone.
When does my student take the financial literacy course?
Georgia law puts it in eleventh or twelfth grade. Your school's counselor can tell you which year your student is scheduled.
Does the requirement apply to my older student?
The law applies beginning with the 2024 to 2025 school year. Ask your school how it treats students who were already in high school then.
Can a younger student start before the course?
Yes. Budgeting, credit and loans make sense well before eleventh grade, and students who see them early tend to find the required course easier.
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.
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