Is a high school course with personal finance concepts required to be taken as a graduation requirement? No, personal finance is not included in the graduation requirements, either as a stand-alone course or embedded in another course, and schools are not required to offer financial literacy courses. See: Montana High School Graduation Requirements.
Montana requires students to take two years of social studies but does not identify specific social studies courses to be taken. The social studies content standards indicate what all students should know when they graduate. They consist of six content standards that are made up of 36 benchmarks. The economics content standards consist of six benchmarks. One of these benchmarks (or 3% of all social studies benchmarks) includes personal finance concepts. See: Montana Social Studies Content Standards.
It is not clear how Montana measures student achievement in financial literacy or how the state monitors local school district implementation of the financial literacy education requirement.