Is competency or proficiency in Math more a result of hard studying or raw intelligence?

Physics-Man
Is competency or proficiency in Math more a result of hard studying or raw intelligence?
The reason I ask is because I plenty of people who've taken the same Math class in college five times but are unable to pass it. Whereas I see only some people who are it without putting in much studying and they breeze through the class!
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Intelligence
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The reason I ask is because I know plenty of people who've taken the same Math class in college five times but are unable to pass it despite studying their butts off. Whereas I see only some people who are able to pass it without putting in much studying!

Fixed grammar and made clearer.*
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+1 y
I'm not asking if it's strictly one or the other, but which one is MORE responsible for competency or proficiency.
Is competency or proficiency in Math more a result of hard studying or raw intelligence?
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