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

????:????????150???:???????

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