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

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

????,?????????????,?????????????,?????????????????

??????????????:???????????????????????????????????,???????????????????TransUnion?????????????,???????Z?????,?????????????????????,??????????????????????????????????????

??TransUnion????,2023???,20?2834???????????????????????????,???????????????2013??????26%???,???????????

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????????????????????,?????????????????????????????,???????????,??????2019?2023????????????30%,???,???????????(????)??????

??(college Board)??????,?30????,???68%??????????????????,2024-2025?????????,??24920???????,??????????????58600??????????????????????,???40????????

??????????????,??????????????????,???????????????,?????????????

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

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

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

2???????

3??????????

4?????

5?????????100????

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