Featured image forDive into PATF’s New Financial Education Publications

We have published two new editions of our fully accessible financial education guides – Cents and Sensibility: A Guide to Money Management, 7th Edition and the Educator Companion Manual, 2nd Edition.

Cents and Sensibility

We created Cents and Sensibility to address the financial education needs of people with disabilities, while providing comprehensive strategies, activities, and resources for anyone who wants to have control over their money. This book provides helpful tools to make informed financial decisions and tackles financial topics like how people with disabilities can work without losing their public benefits, save safely for the future, and the different options for adult decision-making, including supported decision-making, representative payee, power of attorney, and guardianship.

Download the Guide for Free

Click to watch a short Facebook video of Cheryl Ryan Chan, showcasing our comprehensive book, Cents and Sensibility. As a parent and professional, Cheryl is very involved in the disability community.

Visit CherylRyanChan.com

Educator Companion Manual

Our Educator Companion Manual, 2nd Edition aligns with chapters from Cents and Sensibility. Each section in the Manual includes topic objectives, key terms, and essential questions, which provide guidance for teaching the lessons included in Cents and Sensibility. The instructional materials correlate with the National Standards for Financial Education and Pennsylvania Academic Standards.

In addition, the Educator Companion Manual provides:

  • Strategies for addressing the unique financial education needs of students with disabilities,
  • Lessons and activities for all students on topics such as earning income, saving, and using financial services,
  • Information for learners to empower them to set independent financial goals, transition into independence, and more!

We are grateful for the contributions of the many individuals who helped create this resource for Pennsylvania educators and beyond. Dr. Robert Arnhold directs Growing Together Aquaponics, a Pittsburgh-area program that leverages PATF’s financial education curriculum:

“Having had the tremendous opportunity to pilot test the Educator Companion Manual, I can tell you that this is a user-friendly product that meets the needs of a wide variety of teachers’ skills and complements the unique learning styles of those enrolled in our classes.”

Download the Manual for Free


StudyMoney.us is a companion website to Cents and Sensibility: A Guide to Money Management. In addition to the information covered in Cents and Sensibility, the website includes interactive versions of all the activities with end-of-topic quizzes, and up-to-date information on the latest financial education topics.

Visit StudyMoney.us

Money Talks: A Webinar Series

PATF offers Money Talks: A Webinar Series on Financial Empowerment for People with Disabilities to learn about money, get answers to money questions, and find ways to make sound money choices.

Go to the Money Talks webinar series

Our latest webinar centered on the Federal Student Loan Debt Relief Plan where we provided valuable information to individuals with student loan debt, their families, and supporting professionals on student loan debt relief and repayment options. (Please note: The U.S. Department of Education has stopped accepting applications because of recent court rulings. If subsequent court decisions allow the program to proceed, we will update this information on our website.)

Webinar: Federal Student Loan Debt Relief Plan Explained

Family Guide

Coming in 2023!

PATF is creating an approachable family guide that will provide easy-to-digest and relatable financial education strategies, tips, and stories for families of children with disabilities. The guide will focus on the big ideas for introducing financial education, anecdotes on what worked (and what didn’t), and a resource section for families.