As the NCAA men's and women's tournament Final Four semifinals begin, experts have found that many teenagers are playing a high-stakes game off the court, gambling. Most casinos and sports betting platforms require users to be at least 21, but 36% of surveyed teenage boys aged 11 and 17 say they gambled at some point in the prior year. To evade age restrictions on online gambling, students may be borrowing credentials of older family members, betting on offshore platforms or using fake IDs. A survey by Next Gen Personal Finance, a nonprofit providing financial education to middle and high school students, revealed that 83% of teachers had recently observed or heard of their students participating in online gambling or sports betting. Some teachers have made gambling lessons a crucial component of their personal finance courses.