A building society has asked the Government to do more to teach children about the dangers of debt.
The Britannia, which is based in Leek, Staffordshire, called for action as it posted record sales figures for 2003.
Its chief executive said ministers should introduce compulsory financial education to the national curriculum.
Neville Richardson said: "It would help borrowers understand the commitment they were making when buying a mortgage."
The UK's second biggest building society said it offered mortgage loans totalling £5.8bn to customers last year - up 18% on 2002.
Britannia, which is based in Leek, Staffordshire, posted operating profits of £143.3m in 2003.
More than two million of its members were rewarded for the company's strong performance up to 31 December, with payouts averaging £19.
The latest bonus payment means more than £330m has now been distributed to members in the eight years since the scheme began.
The average payment over the entire period is £312, with the maximum windfall totalling £4,000.