Support WBURAnalysisWelcome to America! Now learn to be in debtPlay06:54Download AudioAlina SelyukhTirzah ChristopherMay 24, 2023 ShareYazmin Lopez, here at home in Madison, Wis., first learned about credit scores from a personal finance book she picked up at Goodwill a few years after coming to the U.S. as a teenager. (Lianne Milton for NPR)