An approach to implementing competency-based education programs using a combination of self-instructional modules, individualized management processes, and group instructional techniques was designed and used for a comprehensive consumer education program incorporated into various high school business education programs. This instructional development was part of Project PACT (Pupil Achievement and Consumer Teaching) conducted at Wayne State University, Detroit, Michigan, in cooperation with three Michigan school districts. Each of the 45 instructional modules in PACT was constructed to lead to specified consumer education competencies and performance objectives, demonstrated by referenced test items. This paper describes the PACT modules and test items and the first year of the tryout phase of the consumer education program. Appended are an instructional module and an example of a test item. (MF)