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

????:??????:??????200??

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