Incoming freshmen will pay nearly 25% more than freshmen four years ago. Since 1992, the cost of attending a public university has risen 25%; costs at private schools are up 24%. As the gap widens between college costs and disposable personal income--up only 18% in the same time--students and parents are relying more on student loans, reports CUNA Service Group�s Credit Union Student Loan Network.      For help with college and technical school expenses, see a loan officer at Pacific Community Credit Union.      Here�s the annual going rate for a four-year college education, including undergraduate tuition, fees, and room and board:

Private Public 1995-96 $17,631 $6,823 1994-95   16,698   6,527 1993-94   15,795   6,212 1992-93   15,028   5,834 1991-92 $14,188 $5,452 Source: The College Board, Washington, D.C.

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