?? ?????????????????:?????????,??
????:1?????vx:?????????
2??????
3???qq???
4???????????????
5??????????????
?????????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??,???????,??,???????????????????????????????????,?? “??????????”--???????????????????????????????,?????????? “??? ”?????????,?????? ???????????????:???