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

????:????????:?????????

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