Economics and Personal Finance
Economics basics plus budgeting, banking, credit, saving, investing and insurance. With no state test, the grade comes from the class, so steady homework and quiz scores matter.
Virginia · Online tutoring
Online finance tutoring for families in Woodbridge and Haymarket.
Virginia's Standard and Advanced Studies diplomas both require one credit in Economics and Personal Finance, and Prince William County Public Schools lists it as a graduation requirement. 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 the course starts
A student who has already worked through a pay stub, a budget and a loan payment walks into the required course with a head start. A few sessions over the summer is plenty.
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 Virginia Tech, UVA, George Mason, James Madison or anywhere else often bring their hardest class with them. Break is the best time to fix it.
Local schools
Schools in and around Woodbridge and Haymarket.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- Woodbridge High School Woodbridge
- Freedom High School Woodbridge
- C.D. Hylton High School Woodbridge
- Battlefield High School Haymarket
One credit in Economics and Personal Finance
Virginia's Standards of Accreditation require one credit in Economics and Personal Finance for both the Standard and the Advanced Studies diploma, for students who entered ninth grade in 2018 to 2019 or later. The course has no state Standards of Learning test attached. The PWCS course catalog lists Economics and Personal Finance, with a virtual course component included, in the requirements for both diplomas.
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.
Compound interest in one example
Put $2,000 in an account that earns 4% a year and leave it alone. After 10 years it's worth $2,960.49, so $960.49 of that is interest, and the last year's interest alone is more than the first year's. Run the same math on a credit card balance and the direction flips, which is why students remember it.
Woodbridge and Haymarket · Virginia
Where students get stuck.
Interest that compounds
Simple interest is one line of math. Compound interest, credit card APR and loan payments stack the same idea, and that stacking is where grades usually slip.
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.
Economics meets money
Supply and demand, inflation and interest rates sit in the same course as budgeting. Tying each idea to a real price or paycheck makes the economics half stick.
For parents
Parents usually book. Your student joins on Zoom from home after school or on a weekend, with no drive on I-95, Route 28 or I-66. 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 Woodbridge or Haymarket?
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.
Is there a state test for Economics and Personal Finance?
No. The course carries a standard credit with no verified credit, so there is no Standards of Learning test. The grade comes from the class itself.
Does the rule cover students who started high school before 2018?
Virginia applies the requirements in effect when a student first enters ninth grade. The rule described here covers students who entered in 2018 to 2019 or later.
My student goes to a private school. Does the Virginia rule apply?
The requirement we cite is for Virginia public school diplomas. 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.