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

????:2021?????????:????c4???1408

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