Back to Learning Catalog



Estimated Completion Time

2 segments/32-36 weeks


This course walks students through the information needed to make the best decisions with money. Advanced Algebra with Financial Applications is an advanced course incorporating real-world applications, collaboration, and calculations using technology. Students learn the formulas used to determine account balances, monthly payments, total costs, and more. They examine budgeting, spending, saving, investment, and retirement. Students explore mortgages and other debt structures and how to make good decisions about borrowing money. This knowledge will propel students into the future with a good foundation on how to handle finances.

Note: content varies depending on course version. For currently enrolled students, please refer to the syllabus located in the course information area for curriculum specifics.

Major Topics and Concepts

Segment 1


  • Saving: Linear Growth
  • Saving: Exponential Growth
  • Saving: Compound Interest
  • Saving: Growth and Decay



  • Spending: Data Representations
  • Spending: Linear Representations
  • Spending: Income Tax
  • Spending: Deferment
  • Spending: Purchasing Costs



  • Debt: APR
  • Debt: Finance Charges
  • Debt: Cash or Credit
  • Debt: Credit Scores and Reports
  • Debt: Cash Management
  • Debt: Budgeting
  • Debt: Pay It Off


Segment 2


  • Mortgage: Fixed Rate
  • Mortgage: Adjustable Rate
  • Mortgage: Balloon
  • Mortgage: Comparing Options
  • Mortgage: Points
  • Mortgage: Additional Fees
  • Mortgage: Total Cost



  • Investment: Pre-Writing
  • Investment: Future Value
  • Investment: Present Value
  • Investment: Purchasing Stocks
  • Investment: Stocks and Bonds
  • Investment: Portfolios



  • Retirement: Financial Goals
  • Retirement: Plans
  • Retirement: Insurance
  • Retirement: Net Worth


Credits 1


  • Debt
    Student will demonstrate understanding of debt and credit scores by analyzing methods for managing and reducing debt through budgeting and managing credit.
  • Investment
    Student will demonstrate understanding of investing in common and preferred stocks with and without dividends, and bonds by analyzing high and low prices and calculating net profit or loss to determine the value of a portfolio.
  • Mortgage
    Student will demonstrate understanding of mortgages by analyzing differences in mortgages and comparing and contrasting plans based on adjustable or fixed rates, fees, points and total cost.
  • Retirement
    Student will demonstrate understanding of retirement planning by learning to set goals for the future, understanding the difference between IRA and Roth IRA investments and calculating net worth by assessing assets and liabilities.
  • Savings
    Student will demonstrate understanding of compound and simple interest by calculating savings and interest for bank accounts using the compound and simple interest formulas and by analyzing graphs.
  • Spending
    Student will demonstrate understanding of income and expenditures by exploring topics such as income tax, deferment and other purchasing costs, and representing and critically analyzing spending using graphs and data plots.


Algebra I, Algebra II (recommended)

Attend a virtual open house

We offer regular online open house webinars where VLACS staff members provide parents and students with an overview of our programs and answer questions about online learning.