Financial literacy
Budgeting, banking, credit, taxes, saving and investing. It's a junior and senior year course, so it lands right when students are about to sign a first lease, loan or job offer.
Georgia · Online tutoring
Online finance tutoring for families in Stonecrest and Lithonia.
Georgia law has required every public high school student to complete a half-credit financial literacy course in eleventh or twelfth grade since the 2024 to 2025 school year, so DeKalb students are taking it now. 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.
Building a credit history
Utilization, payment history and what a first card should look like. The math is short, and getting it right early pays off for years.
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 Georgia State, Georgia Tech, Spelman, Morehouse or anywhere else often bring their hardest class with them. Break is the best time to fix it.
Local schools
Schools in and around Stonecrest and Lithonia.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- Lithonia High School Lithonia
- Miller Grove High School Lithonia
- Martin Luther King Jr. High School Lithonia
Half a credit, in junior or senior year
Under Georgia 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 in eleventh or twelfth grade to graduate. The course can count toward a math, social studies or elective credit. The law covers public school boards. 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.
Credit utilization in one example
A student with a $3,000 credit limit and a $900 balance is using 30% of their available credit. Paying the balance down to $300 before the statement closes drops that to 10%. Same card, same spending, a very different picture for the credit report.
Stonecrest and Lithonia · Georgia
Where students get stuck.
Credit utilization
Students know a credit score matters but not what moves it. Utilization is the easiest lever to understand and the easiest to get wrong.
Interest in both directions
The same compounding that grows savings grows debt. Seeing both sides with the same numbers is when it clicks.
Paychecks and taxes
Gross pay, net pay and withholding look nothing like math class. One real pay stub, worked line by line, makes the whole unit easier.
For parents
Parents usually book. Your student joins on Zoom after school or on a weekend, with no drive on I-20. We're on Eastern 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 Stonecrest or Lithonia?
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 required course?
Georgia's law puts it in eleventh or twelfth grade. Which year and which course your student takes is a school decision, so ask your counselor.
Can a younger student start early?
Yes. Budgeting, credit and loans make sense well before eleventh grade, and a student who has seen them once finds the required course much easier.
My student goes to a private school. Does the Georgia requirement apply?
Private schools set their own requirements, so we work from whatever course your student is actually taking.
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.