Is a high school course with personal finance concepts required to be taken as a graduation requirement? No, Kentucky does not require school districts to offer a stand-alone personal finance course, nor is one embedded in a course required for graduation. See: Kentucky High School Graduation Requirements.
The Kentucky High School Academic Standards contain the minimum required standards that all Kentucky students should have the opportunity to learn before graduating from Kentucky high schools. The standards address what is to be learned but do not address how learning experiences are to be designed or what resources should be used. That is left to local school districts to decide. Kentucky requires high school students to obtain vocational studies instruction, which includes personal finance concepts. See: Kentucky High School Academic Standards (pages 709-716). Kentucky requires three credits in social studies, which include an economics strand, but this strand does not include personal finance concepts.
It is not clear how Kentucky measures student achievement in financial literacy or how the state monitors local school district implementation of the financial literacy education requirement.