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??,??????,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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??Credit Karma????????,????????????????,?????????,????????,????????? “??”--???????????????????????,?????????? “???? ”??,?????????????????? ???????????????????????:????