Average tuition and fees at private 4-year colleges reached $24,243 for 2008-2009, up 5.9%.

Tuition and fees at public 4-year schools averaged $17,452 for out-of-state students, up 5.2%, and $6,585 for in-state students, up 6.4%, according to the College Board, New York.

On average, room and board added another $8,000, up about $400 over the 2007-2008 average.

Full-time undergrads received an average of $8,896 in financial aid, including $4,656 in grant aid and $3,650 in federal loans, the board says.

Private loan volume fell slightly when adjusted for inflation, from $19.2 billion in 2006-2007 to $19.1 billion in 2007-2008.

At the same time, the number of federal Pell grants rose 5%, to 5.4 million.

About 60% of bachelor’s degree recipients have been taking out loans, and the average debt per graduate rose 18% in 2007 dollars between 2000 and 2007, to $22,700, the board estimates.