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

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

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