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

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

3????????

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