I got a 60.
At least I know what I need to work on... what cost me points was not having 3 months of expenses, carrying a credit card balance, and not having anything other than my employer's 401k for retirement. All of these things I already knew I need to fix. I figure I'm not doing horribly for a 24 year old. I do own my own home and have taken a second job to help save up 3 months expenses and get out of debt.
