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?????:??????????????????????????????????????????????????????????????,??????????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????????,?????????,?????,?????????????????????????,???????????????? “???”--??????????????????????????,???? “??????????????? ”??,??????????? ?????????????????????:?????????? “??9598???”_????

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

????:1???9598???:?????

2?????200??500

3????????

4???????

5?????????

??????????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????????????????

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