The authors investigated conditions under which judgments in source-monitoring tasks are influenced by prior schematic knowledge. According to a probability-matching account of source guessing (Spaniol & Bayen, 2002), when people do not remember the source of information, they match source-guessing probabilities to the perceived contingency between sources and item types. When they do not have a representation of a contingency, they base their guesses on prior schematic knowledge. The authors provide support for this account in two experiments with sources presenting information that was expected for one source and somewhat unexpected for another. Schema-relevant information about the sources was provided at the time of encoding. When contingency perception was impeded by dividing attention, participants showed schema-based guessing (Experiment 1). Manipulating source-item contingency also affected guessing (Experiment 2). When this contingency was schema inconsistent, it superseded schema-based expectations and led to schema-inconsistent guessing. (Contains 2 tables and 5 figures.)