As more national reports give a bleak snapshot of post-college students mired in student loan debt, high schools and financial advocacy groups around the country are beginning to incorporate financial literacy standards into student curriculum.

Though many high school seniors show signs of financial knowledge, they lack the tools and know-how to be financially responsible, said Discover Financial Services in a statement.

Discover—a direct banking and payment services company—recently conducted a survey of 1,200 high school seniors, which explored students’ financial knowledge and money management behaviors, as well as to what extent they feel prepared for the “real world” after graduation.

(Next page: Surprising survey results—and resources that can help teach financial literacy)