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