????:1????????????:?????????

2???????????????

3?????????

4???300???????

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