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

????:???????:????????

??????????????????????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???????????,??????????,???,??????????????????,?????????? “???????”--????????????????????????????????????????????,?? “??? ”?????????,?? ????????:???????????