Program Overview

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Online Bachelor of Science in Applied Personal Finance

The Online Bachelor of Science in Applied Personal Finance at Texas Tech University is designed for those looking to build a successful career in personal finance with flexibility, practical skills, and a focus on real-world financial planning. Whether you are a working professional, a military service member, or a transfer student, this degree program offers a unique opportunity to advance your career without disrupting your life.

Learning Model

100% Online, Asynchronous

Credit Hours

120 credits

Prerequisites

None

Tuition Estimates

Average In or Out of State

$415-500 per credit hour Tuition rates are based on your residency determination of Texas Resident, Non-Resident, or Foreign.

Degree and Course Details

The Online Bachelor of Science in Applied Personal Finance at Texas Tech University is designed to give you the flexibility to learn on your schedule while gaining the skills and certifications that will set you apart in the job market. You'll develop essential, marketable skills in industry-standard tools like Excel, consumer financial management, financial counseling, and communication—high-demand skills that employers are seeking. Upon completion, you'll also be eligible to take the Accredited Financial Counselor® exam, a credential recognized across the financial counseling and planning industry that can help you stand out in a competitive job market.

Key Courses

• PFI 2301 - Personal Financial Literacy: Introduction to personal finance, including goal setting, cash management, credit, insurance, taxes, housing, investment alternatives, and retirement plans.
• PFI 3322 - Financial Counseling: Introduces students to the financial counseling profession, understanding money values, attitudes, and beliefs. A detailed examination of the financial counseling process, techniques, and strategies is included, along with communicating and applying counseling skills with clients.
• PFI 3361 - Managing Risks: Focuses on the concepts of risk management and how to plan for managing risk, including building cash reserves, investing in human capital, and purchasing insurance. Also covers employee benefits, government entitlements, and estate planning.
• PFI 3381 - Investments: Focuses on the fundamentals of personal investing to meet financial goals, including cash management, investing terminology, risk and return, tax implications of investments, stocks and bonds, mutual funds and exchange-traded funds, portfolio management, and retirement income management.

Why Texas Tech Online+?

• Earn Your Degree Faster with 8-Week Accelerated Courses: Take control of your education with flexible, fast-paced courses that fit your schedule. Multiple start dates year-round let you complete your degree on your terms.
• Start Learning for Free—No Upfront Costs: Apply for free and begin microcredential coursework with zero financial risk. You only pay when you apply for credit, making it easier to take the next step in your education.
• Flexible, Asynchronous Learning Built for Your Life: Study anytime, anywhere with 100% online courses designed for working adults. Balance your education with work and family while staying on track to graduate.

Job Market Outlook

Use the interactive tool to explore career pathways, industry demand, and salary projections tailored to your location. Get insights into employment trends and top occupations related to your field of study. Please note that completing a program does not guarantee employment or a specific salary.

Student Support

Explore Texas Tech Online's comprehensive support services designed for nontraditional students, offering academic assistance, career guidance, and personalized resources to help you succeed.

Industry Career Certificates

Enhance your Texas Tech Online degree with free industry career certificates—short, self-paced, industry-aligned programs from leaders like Google, IBM, and Meta. Build in-demand skills, boost your resume, and stand out in today's competitive job market—all at no additional cost.

Free Credit for Work/Life Experience

At Texas Tech University, your real-world experience counts. Through our Prior Learning Assessment (PLA) program, you may be eligible to earn up to 9 credits for your professional and life experiences, helping you accelerate your degree and save on tuition.

Related Programs

• Online Bachelor of Business Administration
• Online Bachelor of Arts in Interdisciplinary Studies
• Online Bachelor of Science in Leadership Studies

Frequently Asked Questions

How long does it take to complete an Online+ degree?

Most students complete their Online+ degree in 2-4 years, depending on transfer credits and course load. Our 8-week courses and multiple start dates help you graduate faster.

Can I transfer credits into Texas Tech Online?

Yes! Texas Tech University accepts transfer credits, which are evaluated on a case-by-case basis.

Will my diploma say "Texas Tech Online" or "Texas Tech University"?

Whether you complete your degree on campus or online, your diploma and transcript will say "Texas Tech University." Online students earn the same respected Texas Tech degree, taught by the same expert faculty, with the same academic rigor. No distinction on your diploma or transcript indicates how you completed your coursework.

Is Texas Tech Online accredited?

Absolutely. Texas Tech University is accredited by the Southern Association of Colleges and Schools Commission on Colleges (SACSCOC), ensuring that Online+ programs meet the same rigorous academic standards as on-campus programs.

What makes Online+ different from traditional online programs?

Online+ is designed for flexibility and career acceleration, featuring 8-week courses with multiple start dates, free credit for work-life experience, no application fee, and start-learning-for-free options, along with industry-recognized career certificates included in your degree.

What kind of support will I receive as an Online+ student?

From application to graduation, you'll have personalized support, including Enrollment Service Specialists to guide you through admissions, Online Student Advocates for academic and financial aid assistance, and career counseling and job placement resources.

Are Online+ courses self-paced?

While Online+ courses are asynchronous, they are structured with weekly assignments and deadlines, giving you flexibility while keeping you on track for success.

How much does an Online+ degree cost?

Tuition varies by program, but Texas Tech Online is committed to affordability. Many students reduce costs through transfer credits, work-life experience credit, and financial aid.

Do Online+ students qualify for financial aid and scholarships?

Yes! Eligible students can apply for federal financial aid, grants, scholarships, and military benefits. Our financial aid team can help you maximize your funding options.

Can I earn credit for work and life experience?

Yes! Online+ offers free prior learning assessments (PLA) that allow you to earn credit for professional certifications, military training, and work experience—helping you graduate faster and save money.

What career opportunities are available after graduation?

Graduates from Online+ programs pursue careers in business, technology, healthcare, education, and more. Many degrees also include free industry career certificates, boosting your employability in high-demand industries.