Volume 15, Issue 1 Spring 2026 Financial Algebra: Making Math Meaningful for Adult Learners
    Author: Julie Orr; Connor Smith
    Program Level: COABE Journal
    Material Type: Journal
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    Adult education learners often question the relevance of traditional mathematics curricula, particularly when academic concepts feel distant from the realities of work, family responsibilities, and financial pressures. This article describes the development and implementation of financial algebra, an applied mathematics course designed to provide adult high school diploma students with practical, real-world financial skills. Motivated by low engagement and poor persistence in geometry, the previous terminal math option, program leaders developed a contextualized, project-based, and technology-integrated course aligned with College and Career Readiness Standards. Since its launch in August 2025, financial algebra has led to significantly higher attendance, stronger student engagement, and positive learner outcomes. Students demonstrated increased confidence, improved financial decision-making skills, greater digital literacy, and a deeper understanding of how mathematics connects to their daily lives. The impact of financial algebra suggests that contextualized financial literacy instruction can strengthen workforce readiness, promote financial resilience, and support long-term economic empowerment for adult learners.
    The Language of Comparisons: Communicating about Percentages
    Author: Jessica Polito
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    This paper describes an approach used to explicitly teach students how to analyze arguments based on comparisons of numbers and percentages, and how to write such comparisons with the necessary precision.
    Author(s)
    Jessica Polito
    Author(s) Organizational Affiliation
    Wellesley College
    Publication Year
    2014
    Resource Type
    Product
    Number of Pages
    15
    Abstract
    While comparisons between percentages or rates appear frequently in journalism and advertising, and are an essential component of quantitative writing, many students fail to understand precisely what percentages mean, and lack fluency with the language used for comparisons. After reviewing evidence demonstrating this weakness, this experience-based perspective lays out a framework for teaching the language of comparisons in a structured way, and illustrates it with several authentic examples that exemplify mistaken or misleading uses of such numbers. The framework includes three common types of erroneous or misleading quantitative writing: the missing comparison, where a key number is omitted; the apples-to-pineapples comparison, where two subtly incomparable rates are presented; and the implied fallacy, where an invalid quantitative conclusion is left of the reader to infer.
    What the experts say
    This article gives teachers much to think about in terms of truly understanding percentages as they relate to comparisons. The author does an exemplary job of showing where student and teachers weaknesses are in analyzing and interpreting data sets. Some discovery methods of teaching mathematics rely almost completely on what the student brings to class in terms of problem-solving abilities and mathematical knowledge. This method helps students develop the ability to analyze and apply mathematics in a way that will help them both in future math classes and in the world outside the classroom. The implications for instruction in this resource stretch beyond the lessons in data and communicating about percentages. The way these lessons are taught will strengthen student awareness of data, mathematics, and real world analysis.
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    Tasks from youcubed
    Author: http://preview.ed.gov/about/offices/list/ovae/pi/AdultEd/factsh/english-literacy-education.pdf
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    The main goal of the project, “is to inspire, educate and empower teachers of mathematics, transforming the latest research on math learning into accessible and practical forms.” The site provides research-based methods, tasks, videos, and ideas which aim to inspire teachers and empower students.
    Publication Year
    2015
    Youcubed is a project of Stanford University, Graduate School of Education. The main goal of the project, “is to inspire, educate and empower teachers of mathematics, transforming the latest research on math learning into accessible and practical forms.” The site provides research-based methods, tasks, videos, and ideas which aim to inspire teachers and empower students. The youcubed tasks have been gathered from a variety of highly reputable sources including mathematics teachers, publishers, and curriculum writers from organizations such as the National Council of Teachers of Mathematics (NCTM). Each discrete instructional task is tagged by--
    • Mathematical concept(s) which includes: space and shape, pattern recognition, generalization, modeling, shapes and space, and number sense
    • Mathematical topic(s) which includes algebra, surface area, counting, and ratios
    • K-12 grade level
    • Standards for Mathematical Practice(s) 1-8
    It is possible to search for tasks that relate to any of these variables. Each task includes full instructions, handouts where appropriate, and a task discussion option.
    Benefits and Uses
    The tasks are interesting and engaging and connected to the Standards for Mathematical Practice. While focused at K-12, the tasks are, for the most part, applicable to adult education classrooms. Some tasks may require adaptations for the adult audience. The tasks are reliable, free tools for instructors to use in overcoming several barriers to learning mathematics that adult students may bring with them to the classroom. These include mathematics anxiety, low self-efficacy in mathematics ability, learning limitations that come with aging, and fixed mindset beliefs. The tasks complement a traditional mathematics curriculum. The actual tasks are intended to be engaging activities that require students to actively participate and work together. In the activities, students are actively involved in trying to score points, win a challenge, or accomplish a larger goal. They involve finding patterns, or attempting a strategy, or developing reasoning to solve a problem. The tasks use the common notation (for example, “MP.2”) to link to the Mathematical Practices employed in a task although it is not always made clear how the task accomplishes this connection to the identified standards. Each task also has a discussion group link which can be used to pose questions or raise issues in connection to the individual tasks. The tasks contain all of the information that is required to complete a task including an opening page that provides directions for starting the task, additional resources that help implement the task and handouts where appropriate. Teachers are able to use the search options described in the abstract above to choose the tasks that are most appropriate for their students.
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    Mathematics Assessment Project (MAP)
    Author: University of California, Berkeley Shell Center Team at the University of Nottingham, U.K.
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    The Mathematics Assessment Project (MAP) provides tools for formative and summative assessment to assess students’ mathematical knowledge and reasoning, helping teachers guide them towards improvement and monitor student progress.
    Publication Year
    2015
    The Mathematics Assessment Project (MAP) set out to design and develop well-engineered tools for formative and summative assessment that shine a light on students’ mathematical knowledge and reasoning, helping teachers guide them towards improvement and monitor student progress.  It aims to bring the Common Core State Standards (CCSS) in mathematics to life in a way that will help teachers and their students turn their aspirations for achieving them into classroom realities. They exemplify CCSS in explicit down-to-earth performance terms. The project materials were produced as part of a collaborative effort between the University of California, Berkeley and the Shell Center team at the University of Nottingham, with support from the Bill & Melinda Gates Foundation. The MAP materials are of two complementary kinds:
    1. Summative tests or tasks, whichexemplify the performance targets that the standards imply. The tasks, with the associated guidance, equip teachers to effectively monitor overall progress and the mathematical understanding of their students.
    2. Classroom Challenges are complete lessons that support teachers in formative assessment. They both reveal and develop students’ understanding of key mathematical ideas and applications. These lessons enable teachers and students to monitor in more detail their progress towards the targets of the standards.
    Benefits and Uses
    MAP provides instructors and administrators with excellent resources in implementing and evaluating the College and Career Readiness (CCR) standards in mathematics.  The resource is valuable and well organized and provides very good examples of real-life applications of mathematics. MAP provides teachers and professional developers with honest examples of how mathematics is used in real life.  Built around rich problems or tasks, the Classroom Challenges aim to provide a critical supplement to any curriculum. The lessons are structured as formative assessments and are ideally delivered in small classes or group work classroom settings. Opportunities for interaction with and feedback from the instructor are recommended. The lessons are extensive tasks that provide opportunity for students to demonstrate their thinking, to be involved in some degree of productive struggle, and to be able to show modifications in their solutions based on teacher feedback. The support materials provided to instructors are critical in using the task appropriately with students and in providing feedback and evaluation of students’ work. Student work samples are provided to assist instructors in formulating language or instructional strategies that might assist struggling students. It is possible for instructors to either modify the task or select a subset of questions within a task.  With some careful preplanning, the lessons could be condensed and used in a class that has less time for working with larger problems of this type.  The Professional Development Modules, which help teachers with the pedagogical and mathematical challenges of the lessons, are particularly helpful. The whole site is recommended; the Classroom Challenges are particularly helpful. The lessons have a strong alignment to CCSS and individual lessons are linked to specific content standards and the Standards for Mathematical Practice. The lessons incorporate well-designed formative assessments and provide a wealth of material for instructors. This includes the lesson plan with detailed teacher guidance and a presentation PowerPoint, which includes the task information for students. Though designed for specific grade levels, for the most part, the lessons can be presented to students of all ages. As the lessons are aligned to the CCSS, users can search for lessons aligned to CCR mathematical content standards and specific Standards for Mathematical Practice from the “Common Core State Standards” page http://map.mathshell.org/stds.php Optimizing Security Cameras http://map.mathshell.org/materials/lessons.php?taskid=482&subpage=problemis an example of an exemplary lesson suitable for an adult education classroom.  The lesson involves the placement of security cameras to provide maximum security for a given floor plan of a store. This real-life application problem integrates several content domains and requires strategic thinking and an ability to explain and interpret explanations. The lesson plan includes several student work samples that help teachers understand the goals of the lesson and how it develops the targeted standards. The extensive package of resources connected to this lesson is extremely helpful to teachers.
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    KET: Active Learning in Adult Numeracy
    Author: Kentucky Educational Television — KET Kentucky Adult Education
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    These video segments from a KET professional development session are focused on broad math teaching practices that are appropriate for math teachers at all levels.
    Publication Year
    2015
    Steve Hinds led a professional development training for Kentucky Adult Education math teachers where he demonstrated and discussed a series of lessons on functions. These video segments taken from the training are focused on broad math teaching practices that are appropriate for math teachers at all levels. To better understand the problems and issues discussed in the videos, it is strongly recommended that practitioners read the background essays that accompany the videos. Steve lives in Chicago and directs the Active Learning in Adult Numeracy project, which is focused on curriculum development, teacher training, and other reforms that promote active, student-centered math teaching and learning for adults.
    Benefits and Uses
    Steve Hinds demonstrates various approaches: Each short video also contains background essays and discussion questions.  
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    Evaluating Number Sense in Workforce Students
    Author: Dorothea A. Steinke
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    The study sought to determine the percentage of workforce students who may need to strengthen their understanding of the part-whole concept by using the same number line assessment.
    Publication Year
    2015
    The new high school equivalency tests ask adults to perform at a level of critical thinking that they may not have been introduced to in their earlier education. This kind of thinking means that a person is able to look at the details and see the big picture or look at the big picture and pick out the relevant details for a given situation. This kind of thinking requires keeping track of the WHOLE (the main idea) and the PARTS (the details) at the same time, while considering the relationships between them. While part-whole critical thinking is important in all academic areas and in problem-solving on the job, it is especially central to math success. Earlier institution-sponsored research revealed that about 20% of students in community college basic math and pre-algebra programs lacked a sense of part-whole relationships with whole numbers. Using the same tool with a group of 86 workforce students, about 75% placed five whole numbers on an empty number line in a way that indicated lack of part-whole thinking. This concept, needed to understand fraction and percent relationships, carries over as a grasp of the relationship between details and the main idea in factual prose, in critical thinking in job situations, and on the current high school equivalency tests. Assessing learners for their understanding of the part-whole concept allows teachers to help students strengthen either their understanding of the part-whole concept or their applied skills.
    What the experts say
    Adult educators will find this article interesting and, perhaps, be surprised that so many adults are not already sensitive to the requirements of a simple number line (equal spaces between all consecutive numbers). This concept is particularly important in work settings that assume workers’ ability to use measuring devices accurately. The resource clearly describes a task that can be immediately used with learners for formative assessment and also provides samples of student work that can be studied and analyzed by teacher study groups and/or groups of learners in a classroom setting. It will be useful to new and experienced adult educators both for its description of problems in adult students understanding of part/whole concepts as well as for giving instructors a very useful tool for quick, easy, and inexpensive assessment of those concepts. The author also suggests reasons for why students lack these concepts including brains that were not physically ready for processing this information due to young age, toxic stress in childhood (e.g., poverty, emotional and physical abuse) and developmental disabilities or traumatic brain injuries. While the information is nothing new to experienced adult education instructors, the author provides a way to see specific results of childhood stress in a way that will ring true to community college instructors in workplace development programs as well as adult basic education classes. The author asks the reader to check his or her assumptions about learning, to modify their teaching, and always to be aware of the building blocks leading to mathematical understanding.
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    Standards-in-Action: Mathematics Foundational Units to Fulfill the Instructional Shifts
    Author: StandardsWork, Inc.
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    These foundational-level Standards-in-Action (SIA) resources and professional development provide educators with practical knowledge about the key shifts in instruction required to align with college and career readiness (CCR) standards in mathematics.
    Author(s)
    StandardsWork, Inc.
    Author(s) Organizational Affiliation
    StandardsWork, Inc.
    Publication Year
    2016
    Resource Type
    Informational Material
    Abstract
    The College and Career Readiness (CCR) Standards Math Foundational Units 1 – 4 were produced by StandardsWork Inc. as part of the Implementing CCR Standards in Adult Education project, under contract to the U.S. Department of Education (Contract # ED-VAE-13-C-0066). The activities that make up Units 1 – 4 will help participants explore what it means to implement CCR standards for mathematics in adult education. Participants will receive a practical and transferable understanding of the fundamental shifts in instruction embedded in CCR standards—including in your state standards—crucial to preparing adult students to meet the real-world demands of college and careers. At the heart of the instructional shifts is a careful examination of the critical content and processes that fuel mastery in mathematics, including the coherent progression from level to level and pursuing conceptual understanding, procedural skill and fluency, and application with equal intensity. 
    • Foundational Unit 1 Focusing on the Major Work of the Levels addresses the most critical concepts and skills that students must master to be prepared for college and careers.
    • Foundational Unit 2Thinking Across Levels to Connect Learning, concentrates on the concept of coherence and its central role in the CCR standards.
    • Foundational Unit 3 Engaging the Three Components of Rigor investigates what it means to create a rigorous mathematics curriculum.
    • Foundational Unit 4, Connecting Standards for Mathematical Practice to Content, provides techniques to enrich instruction by integrating the eight Standards for Mathematical Practice with content-specific standards.
    Each ready-to-use unit includes a facilitator’s guide, an annotated PowerPoint presentation, and participant materials. While training is not required before using this resource, fundamental awareness of the CCR standards for mathematics is recommended. Experienced SIA trainers are available to provide this training to states and programs. For more information, please email the LINCS Technical Assistance Center at training@lincs.ed.gov.
    Benefits and Uses
    This resource supports state and program efforts to implement adult education content standards aligned with college and career readiness to support rigorous, high-quality instruction. Usage of the Math Foundational Units 1 – 4 will strengthen the capacity of adult educators to implement CCR standards to better prepare adult students for success in college and careers. These activities provide the field with opportunities to dig into the CCR standards and explore what it means to adopt CCR-aligned standards in classrooms and how to do so sustainably. Understanding how CCR standards differ from previous sets of standards—and the necessary shifts or advances they call for—is essential to implementing CCR standards well. Engagement in these four units of activities will enable adult educators to identify the most significant elements of CCR standards for mathematics and to determine how best to integrate them into instruction and curriculum. The goal of Units 1 - 4 is for participants to leave with specific ideas, resources, and actions they can implement immediately. Designed primarily for group use, these units also support independent study. The four units should be worked through sequentially. The units can be facilitated during a single daylong training or multiple trainings over several weeks or months. Each ready-to-use unit contains all the materials required to facilitate these training activities, including a facilitator’s guide, an annotated PowerPoint Presentation, and a packet of participant materials. The participant materials include directions, charts, worksheets, answer keys, and other resource materials that guide the use of each unit. The PowerPoint presentations are a digital aid for presenters/facilitators who lead the mathematics training activities. Notes are provided within the PowerPoint presentations to help you prepare for each session. This information accompanies the information offered in the facilitator guides—including the research base, rationale, advice, and other guidelines—to provide the support and guidance you may require.
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.
    Inside Mathematics
    Author: The Silicon Valley Mathematics Initiative The Shell Centre for Mathematical Education Publications Ltd. The Charles A. Dana Center at The University of Texas at Austin The Collaborative for Academic, Social, and Emotional Learning
    Program Level: Professional Development
    Material Type: Collection
    Language: English
    License: (CC BY-NC-ND 4.0) For license summary click here

    Abstract:

    Inside Mathematics provides a resource for educators (teachers and administrators) who strive to provide the best mathematics instruction they can for their students.
    Publication Year
    2016
    Inside Mathematics provides a resource for educators (teachers and administrators) who strive to provide the best mathematics instruction they can for their students.  According to their website, “Inside Mathematics opens doors:
    • to tested Public Lessons presented to children and groups of observing teachers;
    • to guided tours of reflective mathematics practice, identifying what makes teaching, learning, and improving instruction in mathematics a difficult enterprise;
    • resources for teachers to improve their practice;
    • to mathematics teaching and learning tools and resources to support the daily practices of classroom teachers, math coaches, and administrators; and
    • to a professional learning community in which you are invited to open your own classroom and engage in conversation about teaching and learning.
    The Inside Mathematics website is organized by:
    • Tools for educators;
    • Classroom videos;
    • Common core resources;
    • Problems of the month; and
    • Performance assessment tasks.
    Benefits and Uses
    Although K-12 educators are the site’s targeted audience, Inside Mathematics provides resources that adult educators can use to support the implantation of CCR aligned instruction. To adapt these resources for adult learners, first read the “Permissions” section (under “About”), located at: http://www.insidemathematics.org/about/. Use the variety of classroom-ready resources with ABE and ASE mathematics students. Search for relevant content by grade level as well as by mathematical strand. Also, watch videos of some of these classroom lessons. The performance assessment tasks include student work samples and a teacher discussion of these samples. These can provide valuable insights into student thinking in relation to the task. Each “problem of the month” is divided into five levels giving access into different aspects of the problem and stretching students out into mathematical complexity. These different levels of complexity provide useful scaffolding and differentiation tools for teachers of multi-level classes. Note: When using this feature, attend to the grade level for the problems and determine its appropriateness for your students.    
    Resource Notice
    This site includes links to information created by other public and private organizations. These links are provided for the user’s convenience. The U.S. Department of Education does not control or guarantee the accuracy, relevance, timeliness, or completeness of this non-ED information. The inclusion of these links is not intended to reflect their importance, nor is it intended to endorse views expressed, or products or services offered, on these non-ED sites. Please note that privacy policies on non-ED sites may differ from ED’s privacy policy. When you visit lincs.ed.gov, no personal information is collected unless you choose to provide that information to us. We do not give, share, sell, or transfer any personal information to a third party. We recommend that you read the privacy policy of non-ED websites that you visit. We invite you to read our privacy policy.