Consumer Challenge
Hawaii LifeSmarts Program
Hawaii’s ultimate consumer challenge for middle and high school students. Build real-world skills in finance, rights, safety, tech and the environment through fun online quizzes and epic competitions!
LifeSmarts Competition
The Ultimate Consumer Challenge
LifeSmarts is a FREE consumer education competition for students in grades 6–12. Compete and test your knowledge in five key areas:
Consumer Rights and Responsibilites
Personal Finance
Healthy and Safety
Environment
Technology
Don't Miss Out
Important Updates
Students statewide are welcome to register a team from public, private, home, charter and alternative schools, as well as clubs and youth organizations. Each team needs an adult sponsor or coach Schools/Clubs may enter multiple teams under one coach.
Junior Varsity | Middle School Competition (grades 6-8) Online Competition
Registration opens August 1, 2025
Online Competition begins October 13, 2025
- Due to changes to the online test at the national level, the online test now opens on November 1, 2025
Online Competition closes December 5, 2025 (7pm HST)
Junior Varsity | Middle School Competition (grades 6-8) Online Competition
Registration opens August 1, 2025
Online Competition begins October 13, 2025
- Due to changes to the online test at the national level, the online test now opens on November 1, 2025
Registration opens August 1, 2025
Hawaii State Competition
- Top four (4) Varsity level schools/teams will be invited to compete in the State Competition
- February 20, 2026 at the Neal S. Blaisdell Center (subject to change)
LifeSmarts National Competition
Orlando, Florida, April 15-18, 2026
LifeSmarts is run by the National Consumers League and brought to you by the Department of Commerce and Consumer Affairs, Business Registration and Insurance Divisions in partnership with the Hawaii Credit Union League.
Official Video
Check out our 2025-2026 Hawaiʻi LifeSmarts video
News and Updates
What's New
Read the latest press releases regarding utility rate filings, consumer advisories, and significant department initiatives
Reach Out
Contact LifeSmarts
For inquiries related to the Hawaii LifeSmarts program, reach out to the state coordinator in the Business Registration Division