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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 Groupís Credit Union Student Loan Network.

     For help with college and technical school expenses, see a loan officer at Pacific Community Credit Union.

     Hereís the annual going rate for a four-year college education, including undergraduate tuition, fees, and room and board:

Private Public
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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