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

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