Chart 4
Most Money Smart Graduates Improved the Timeliness of Bill Payments
	Always pay on time	Usually pay on time	Sometimes pay on time	Almost never pay on time	Total
Follow-up	55.0%	36.9%	8.0%	0.2%	1
Pre-training	43.3%	41.1%	12.5%	3.1%	1
Source: FDIC, A Longitudinal Evaluation of the Intermediate-term Impact of the Money Smart Financial Education Curriculum Upon Consumer’s Behavior and Confidence (Washington, DC, April 2007).