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

????:95?98??????:?????????

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