Congress asked the U.S. Trustee to define a "financial management training curriculum and materials that can be used to educate debtors who are individuals on how to better manage their finances." See Public Law 109-8, Title I, Section 105(a).

The U.S. Trustee came up with the following curriculum:

Budget Development
Setting short-term and long-term financial goals, as well as developing skills to assist in achieving these goals.
Calculating gross monthly income and net monthly income.
Identifying and classifying monthly expenses as fixed, variable, or periodic.

Money Management
Keeping adequate financial records.
Developing decision-making skills required to distinguish between wants and needs, and to comparison shop for goods and services.
Maintaining appropriate levels of insurance coverage, taking into account the types and costs of insurance.
Saving for emergencies, for periodic payments, and for financial goals.

Use of Credit
The types, sources, and costs of credit and loans.
Identifying debt warning signs.
Appropriate use of credit and alternatives to credit use.
Checking a credit rating.

Consumer Information
Public and non-profit resources for consumer assistance.
Applicable consumer protection laws and regulations, such as those governing correction of a credit record and protection against consumer fraud.