?????????????:?????????????,??

????:??????100???:?????????95?98

????11???1?????? ??????????11?????????1????,????????,???????????????

???????????????,????????????????,18?????????????????????29??1.12??????????????????17.8???? 6.3%,??,?????????????????

??,????????????????,??????????,????????

????????:?????????????????????????????????????????????,??????????????TransUnion??????????,????????????Z??????????????,???????????????,?????????????

??????????TransUnion??????????????????,2023??????????????????????,20??2834???????????,?????2013???????26%??????????????,????

?????,Z????

???,????????????????????????????,?????????????????,?????????2019?????????2023????30%,??,????????????????(?????)????

?????????????(college Board)?????????????,???30???????????????,??68%??????????,2024-2025???????????????????,??????????????????24920??,?????58600?????????????????????,???????40????????????

????,?????????????????????????????????????,?????,???????

????????????????????Credit Karma?????????,??,?????,???????????????????????,? “???????????”--????????????????????????????,??? “?? ”????????????????,????????? ?????:???????