GLOW is a financial literacy and college financial planning curriculum. Along with the support of local mentors, the curriculum helps students overcome the challenges of financial literacy and funding, empowering them to apply to, attend, and graduate from college and reach their greatest potential.

The WCPS Education Foundation provided funding to begin a pilot program of the GLOW Financial Literacy and College Financial Planning Program at South Hagerstown High during the 2013-14 school year.

The program curriculum was piloted with 11th and 12th grade students who are enrolled in the Advancement Via Individual Determination (AVID) elective course, in which students learn basic financial concepts such as:

  • Saving
  • Budgeting
  • Bank accounts
  • Credit/debit
  • Predatory lending
  • Planning/forecasting
  • Debt management

While learning the value of a college education, students also learn about the costs associated with higher education. They develop a personal budget projecting tuition costs and other expenses and identify sources of revenue, including financial aid, loans, scholarship opportunities, family contribution, and employment earnings.

The WCPS Education Foundation has expanded the GLOW curriculum to 9th through 12th grades at four of the county High Schools: North Hagerstown High School, Smithsburg High School, South Hagerstown High School ,  and Williamsport High School.

The GLOW curriculum has reached more than 650 students and volunteers have spent over 400 hours in the classroom.


In addition to the classroom teacher, individuals from the community serve as GLOW mentors. The classes are interactive and participatory with mentors providing one-on-one and small work group guidance and support.

Meet the Mentors!

If you would like more information about becoming a GLOW mentor, please contact Caren Cramer at 301-766-2925 or by email at Training is required.

GLOW Documents for Mentors

GLOW Volunteer Application Form – 9.2018

South High AVID Freshmen 3.2018

Back (Left to Right): Courtney Barnard, Sadia Farooq, Satiera Thomas, Kaylynn Polk, Ayanna Thomas & Sitting in the front: Abigail Shoop

Pictured above are South Hagerstown High School AVID freshman that are learning Financial Literacy & College Preparedness through the GLOW lessons.  Their AVID teacher, Jason Yockel, shared some of the student reflections after the Intro to Budgeting GLOW Lesson.

“Sometimes you need to think priorities before fun.” – Ayanna Thomas

“Discretionary items are things you don’t necessarily need but you want. It’s hard to give it up because it brings you joy or happiness.” – Satiera Thomas

He also shared the student reflections based on them realizing you can’t always afford all of your WANTS, but that you can afford all of your NEEDS.  Students thought about this statement and how this will help reach educational goes.

“If you budget your expenses then you can stay out of debt and afford the stuff you want every once and a while.” – Courtney Barnard

“Budgeting and managing help reach educational goals by letting us afford the things that we need to buy…” – Abigail Shoop

”To be able to solve my problem and manage my money, I started off with first determining everything I needed. After that, I used any leftover pennies for things that I would’ve wanted the most. These skills can help me reach educational goals, depending on my situation, whether I get a full or partial scholarship, have help from my parents, etc. Having the ability to manage and budget my money will let me save money as well in case of an emergency.” – Ayanna Thomas

For more information about college & career readiness along with paying for post-secondary education visit: