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

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5??????????

????????11????1??? ?????????11?????????????????1?????????,????????????????,????????????????

???,????,18????????????????????29??????????????????????1.12?????????????????????????17.8????? 6.3%,??????????????????,???

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