This booklet outlines competencies for consumer education courses in grades seven through 12 in the Philadelphia school system. Consumer education is seen to develop students' abilities to cope with situations encountered daily in their roles in our economic system. It puts into practice the basic skills of reading, writing, speaking, listening, viewing, problem solving, interpersonal relations, and computation. For each grade level, the booklet identifies up to four major competencies. Each competency is accompanied by numerous behavioral objectives by which mastery can be evaluated. For example, a ninth grade competency is that students will show personal financial management skills. A behavioral objective for this is to plan realistic budgets for differing income levels and priorities. Other competencies include demonstrating ability to plan effectively (grade seven), interpreting issues in consumer affairs and financial management (grade 10), and understanding the importance of a value system in planning (grade 12). (AV)