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

????:?????:??95?????

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