Military.com Education Feed

Time-Saving College Options

Tue, 21 Nov 2017 15:14:31 +0000

There are many time-saving programs available to prospective college students which give college credit without taking classes. Many are even free or offered at reduced cost.

You can get college credit for military experience, take tests to demonstrate that you already have the knowledge that you would gain from a class, or use your military experience to help you get a job as a teacher.

For those who are thinking of attending college, there are programs that offer free or reduced preparatory courses for the ACT/SAT and free preparatory courses for entry to graduate school.

If you are thinking of attending college while on active duty, you should check out the Service members' Opportunity College guide for helpful information and how to take courses that you can ensure will transfer to a civilian school or degree.

If you are unsure about what field of study you would like to enter, or what courses you should take, there is free aptitude counseling available to you.

For information about all programs available to active duty members, check out our Military Support Programs page. If you are a veteran, check out our Veteran Support Programs page. There are special programs available for Wounded Warriors as well.

Military Tuition Assistance

Tue, 21 Nov 2017 15:01:36 +0000

Military Tuition Assistance is a benefit paid to eligible members of the Army, Navy, Marines, Air Force, and Coast Guard. Congress has given each service the ability to pay up to 100% for the tuition expenses of its members.

Each service has its own criteria for eligibility, obligated service, application process' and restrictions. This money is usually paid directly to the institution by the individual services.

Additionally active duty members may elect to use the MGIB "top-up" in addition to their service provided TA to cover high cost courses.

TA is not a loan; it should be viewed as money you have earned just like your base pay.

Follow the links for your particular service and start taking advantage of this GOLDEN opportunity:

Air Force Tuition Assistance
Army Tuition Assistance
Navy Tuition Assistance
Marines Tuition Assistance
Coast Guard Tuition Assistance
National Guard Tuition Assistance
Reserve Tuition Assistance

Service Amount Covered Covered Fees Who is Eligible Form Air Force 100% Tuition and Fees, not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour
$4500 @ Fiscal Year

Tuition
Lab Fees
Enrollment fees
Special Fees
Computer Fees

Active duty
Reserves

Online Application Process

Army 100% Tuition and Fees, not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour
$4500 @ Fiscal Year

Tuition
Lab Fees
Enrollment fees
Special Fees
Computer Fees

Active Duty
ARNG on Active Duty
Army Reserves

Online Application Process Navy 100% Tuition and Fees, not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour
16 Semester Hours @ Fiscal Year

Tuition
Lab Fees
Enrollment fees
Special Fees
Computer Fees

Active Duty
Naval Reserves in AD status

NETPDTC 1560 Marines 100% Tuition and Fees Not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour
$4500 @ Fiscal Year

Tuition
Lab Fees
Enrollment fees
Special Fees
Computer Fees

Active Duty only

NETPDTC 1560 Coast Guard 75% Tuition and Fees, Not to exceed:

$250.00 @ Semester Credit Hour
$166.67 @ Quarter Credit Hour
$4,000 @ Fiscal Year

Tuition
Lab Fees

Active Duty
Reserves in AD status

CG-4147

Military Spouse and Family Educational Assistance Programs

Tue, 21 Nov 2017 14:54:18 +0000

There are several education benefits available to dependents of veterans as well as surviving family members of deceased veterans. Ranging from scholarships to totally free school, these benefits are often overlooked.

Department of Defense Post 9/11 GI Bill Transferability

In addition to the very generous education benefits offered by the Post-9/11 GI Bill, there is a special provision of the program that allows career servicemembers to share their remaining GI Bill (education) benefits with immediate family members. The key factor is whether or not the member has used any of his or her GI Bill in the past; only unused benefits can be transferred. This means that if the member has used 12 months of his or her GI Bill, then there is only 24 months of benefit left to share.

Servicemembers must meet specific criteria to be eligible to transfer their GI Bill benefits. This includes having at least six years of service and an obligation to serve at least four more.

Learn more about the rules for transferring GI Bill benefits.

Military Spouse Career Advancement Accounts (MyCAA)

The Military Spouse Career Advancement Accounts (MyCAA) program provides up to $4,000 of Financial Assistance for military spouses who are pursuing degree programs, licenses or credentials leading to employment in portable career fields.

Spouses can contact MilitaryOneSource for education counseling and help finding alternative funding sources. Call toll free at: 1.800.342.9647.

Click here to learn more about the MyCAA Career Advancement Accounts program.

Learn more about Spouse Employment opportunities and programs.

Veterans Affairs Dependents Education Assistance Program

The Dependents' Educational Assistance (DEA) program provides education and training opportunities to eligible dependents of certain veterans. The program offers up to 45 months of education benefits. These benefits may be used for degree and certificate programs, apprenticeship, and on-the-job training. If you are a spouse, you may take a correspondence course. Remedial, deficiency, and refresher courses may be approved under certain circumstances.

Click here to learn more about the Dependents Education Assistance Program.

Marine GySgt John D. Fry Scholarship Program

The Fry Scholarship is an amendment to the Post-9/11 GI Bill that makes education benefits available to the surviving spouses and children of service members who die in the line of duty after Sept. 10, 2001. Like Post-9/11 veterans, eligible surviving spouses and children attending school may receive full tuition coverage at state-operated colleges and universities, plus a monthly living stipend and book allowance under this program.

Surviving spouses can use the Fry Scholarship for 15 years from the anniversary of the servicemember's death or until they remarry. Eligible children can use the Fry Scholarship between the ages of 18 and 33. Children under age 18 cannot use this benefit even if they have completed high school. The child's marital status does not affect eligibility for the Fry Scholarship.

Click here to learn more about the Marine GySgt John D. Fry Scholarship Program.

State Provided Education Benefits

Educational benefits for families, particularly the children of deceased, MIA, POW, and disabled veterans, may be available in some states. Military.com has developed an on-line general summary of educational benefits for veterans, surviving spouses and their dependents.

Click here to learn more about State Education Benefits.

Private Scholarships and Grants

While looking for money for school many surviving spouses and their families overlook the over $300 million of military - and veteran - related scholarships and grants. These scholarships often go unclaimed due to the following misconceptions:

VA education benefits eliminate the need for scholarships and grants.
- False - The truth is that the Survivor and Dependent Education Assistance program offers great benefits it may not cover everything. There are hundreds of scholarships and grants specifically designed to help cover education related costs, so you don't have to.
Scholarships are too difficult to win and applying requires too much work.
- It is true that some scholarships require a written essay. But, it is important to remember that scholarship and grant applications vary widely, and some require nothing more than a short application. Besides you should think of it this way: It may be the only essay you ever get paid to write.
Scholarships are too difficult to find.
- False - Many scholarships go unclaimed because students don't know where to look. Fortunately, there is a great online resource to help servicemembers find the scholarship and learn how, where, and when to apply. Visit the Military.com's Scholarship Finder today and get started on your way to finding free money for school.

Here are some quick tips to help your search:

Do your homework. Take advantage of the free online scholarship search at Military.com's Scholarship Finder. The Scholarship Finder lists over 1,000 scholarships from a variety of sources.
Don't limit yourself. You qualify for non-military related scholarships too. Visit your local library to find scholarship directories that list awards based on age, state of residence, cultural background, and field of study.
Search in your military community. Many service aid organizations and associations, like the Navy Marine Corps Relief Society, offer scholarships, grants, and low interest loans to help cover education expenses.
It's never too soon to start your scholarship search. Many scholarship application deadlines are as early as a year in advance.

Remember: Not applying for scholarships is like turning down free money. Get started on your search for scholarships today - visit the Military.com Scholarship Finder.

Army

Army Emergency Relief (AER)
Army Emergency Relief maintains two scholarship programs – the Spouse Education Assistance Program and the MG James Ursano Scholarship Program for dependent children. Both scholarships provide financial assistance for students who are pursuing their first undergraduate degree.

Visit the Army Emergency Relief site for more details.

Air Force

Air Force Aid Society (AFAS)
The AFAS offers grants, scholarships and loans:

General Henry H. Arnold Education Grant Program - This grant program is competitive in its need-based selection criteria, uniquely tailored to recognize the proper weighing of family income and education cost factors. Grants of at least $2,000 are awarded to selected sons and daughters of Active Duty, Title 10 AGR/Reserve, Title 32 AGR performing full-time active duty, retired, retired reserve and deceased Air Force members; spouses of active duty members and Title 10 AGR/Reservists; and surviving spouses of deceased personnel for their full-time undergraduate studies.
AFAS Merit Scholarship - The Society awards a minimum of ten $5,000 merit-based scholarships to incoming freshman who have completed both phases of the General Henry H. Arnold Education Grant application, and therefore, have already been reviewed for eligibility and had their GPA verified. Selection is based on cumulative GPA, SAT/ACT scores, transcripts, and an essay on a specified topic.
Supplemental Education Loan Program - This loan is open only to dependents of regular Active Duty, Title 10 AGR/Reserve on extended active duty, Title 32 AGR performing full time active duty, regular Retired and Retired Reserve with 20+ years of creditable service who applied for the 2015-2016 General Henry H. Arnold Education Grant, as their eligibility has already been verified through the grant application process, and AFAS has the ability to collect repayment by allotment directly from the members' military/retired pay. Maximum dollar amount for each full-time dependent undergraduate student is $1,000, regardless of whether or not they received the need-based Arnold Grant.

Visit the Air Force Aid Society to learn more.

Navy and Marine Corps

The Navy Maine Corps Relief Society (NMCRS)
The Society’s Education Assistance Program offers interest-free loans and grants for undergraduate/post-secondary education at an accredited 2- or 4-year education, technical or vocational institution in the United States. This financial assistance is available for children of active duty, retired or deceased Sailors and Marines; and for spouses of active duty and retired Sailors and Marines.

Spouses of active duty Sailors and Marines stationed and living outside the United States are also eligible for the Society’s Spouse Tuition Assistance Program (STAP). For STAP assistance, contact your nearest overseas NMCRS office. NMCRS office locations and business hours are located here: http://www.nmcrs.org/locations.

NMCRS Education Assistance Program:
The Navy Marine Corps Relief Society offers interest free loans, grants, and scholarships.

Interest free loans and grants range from $500 to $3,000 per academic year
Amount to be provided to each applicant will be determined by NMCRS
Funds are payable and provided to the student’s academic institution, not the student
Funds are to be used only for tuition, books, fees, room, and board
Repayment of interest free loans must be by military payroll allotment within 24 months of the loan disbursal (repayment of interest free loans for MECEP/MECP must be within 48 months following receipt of a military commission)
Repayment allotments must begin September 1, (or the month following receipt of a military commission for MECEP/MECP students)
Students must complete a new application for each academic year

Visit the NMCRS site for more details

Coast Guard

The Coast Guard Foundation
The Coast Guard Foundation offers grants for active duty enlisted members and their spouses, it also offers scholarships to children of active duty, retired, or deceased enlisted members.

Grants for enlisted active duty members - These grants are administered by the Coast Guard Institute and range from $250 - $500 per calendar year. For more information see the Coast Guard Institute's website
Grants for spouses of active duty enlisted members - These grants are open to spouses of active duty enlisted personnel in pay grades E-3 to E-9. Spouses of Reservists on any type of active duty orders for at least one year in duration in the aforementioned pay grades are also eligible. Grants will be in the amount of $500 and are limited to one payment per calendar year.
Scholarships for Coast Guard children - These scholarships are open to unmarried dependent children (under 24 years old) of enlisted men and women on active duty, reservists on extended active duty for 180 days or more, retirees, or deceased members of the U.S. Coast Guard. Applicants must be college bound high school seniors entering an accredited college or technical school for the fall semester or a full-time undergraduate student already enrolled in an accredited four-year undergraduate program or technical school.

For more information see the Coast Guard Foundation's website.

Coast Guard Mutual Assistance (CGMA)

Supplemental Education Grant - The SEG program reimburses documented educational costs specifically required by a course of study. Multiple grants may be awarded up to the authorized amount throughout the calendar year.
CGMA Stafford/PLUS Loan Fee Reimbursement - Assistance for those who finance post-secondary education through the Federal Stafford Loan or Federal Parent Loan for Undergraduate Students (PLUS). CGMA reimburses clients for the loan fee (not to exceed 4% of the loan amount) typically charged borrowers at the time funds are disbursed.
CGMA Education Loan - Interest free loan (up to $2,000) to help with postsecondary education expenses. Loan repayment begins a month after receipt of assistance. A new Education Loan will not be provided until any previous Education Loan has been repaid. All CGMA members and their families are eligible.

Visit the Coast Guard Mutual Assistance website to learn more.

Study Techniques While Maintaining a Full Time Job

news@military-inc.com(Mindy Jones) — Fri, 03 Nov 2017 16:25:31 +0000

Are you a veteran or military member who is furthering your education? Then you're probably wishing there were more hours in a day. While you can't slow down time, there are things you can do to sharpen your study skills, such as increase reading comprehension, reading speed, and computer knowledge. By strengthening these skills, you will get more out of your study time.

Taking Notes
Class notes are important. Yet many students don't know how to take them properly. Avoid writing down every word, because you will get too far behind and miss out on key points. Having your own way of abbreviating words will help you keep up with the instructor.

Also, write your notes in outline form, because it keeps them organized and easier to review later on. In addition, remember that reviewing your notes after class gives you the chance to clarify them while everything is still fresh in your mind.

Reading Skills
Many of us have complained that either we don't know where to begin or the material is so boring, we can't stay awake. To help with these problems, make a prioritized list of what you have to do and work from it. Also, remember that a good reader is an active reader. Get involved by summarizing or quizzing yourself at the end of every section.

Writing chapter outlines or highlighting as you go along can help you remember things when you feel there is simply too much to remember, and it also makes reviewing easier.

To get the most out of your reading, try to remember these steps: Survey, Question, Read, Recite, and Review. These five steps will help you concentrate on your material and recall it later on.

Speed Reading
There are simple ways to increase your reading speed. Many people, without knowing it, move their lips or read out loud. This slows you down since you can't speak as quickly as you read.

Another way to increase speed is to know what information you want before you start. This way you can skim for what you need, instead of reading everything. Students also often reread lines unnecessarily. Slower readers usually must go back and reread because their minds wander instead of concentrating on the material.

Computer Skills for Distance Learning

If you are interested in online courses, familiarity with using email, operating word processing programs, and navigating the Web are needed. You can brush up on your computer knowledge by taking a class at a nearby community college. There are internet resources that offer tips on study skills specifically for the distance learner.

Where you choose to study is just as important as how you study. Turn off the television and radio, and try to study at the same time every day. Make sure that everything you need is there when you sit down, so you don't have to stop to find a pencil.

While it is not possible to add hours to a day, with the right study habits and reading skills, it is possible to successfully pursue an education while serving your country.

Alaska Sea Service Scholarships

Wed, 01 Nov 2017 15:09:39 +0000

The Alaska Sea Services Scholarship awards up to four $1,000 scholarships annually for undergraduate education to dependent children and spouses of Navy, Marine Corps, and Coast Guard personnel who legally claim Alaska as their state of residence. Applications are accepted each year from November 1 through March 1.

Citizens of Alaska raised funds for a $10,000 war bond as a gift to the USS JUNEAU (CL 52). After the sinking of the USS JUNEAU (CL 52), this gift was to have been presented to the USS ALASKA (CB 1), but the USS ALASKA (CB 1) was decommissioned before the presentation. Consequently, the governor of the territory of Alaska and the Secretary of the Navy agreed that the bond would be left on deposit in the First National Bank of Juneau until the USS ALASKA (CB 1) was recommissioned or another appropriate application could be found.

In 1986, the Navy established the Alaska Sea Services fund to award scholarships from the original gift.

To be considered for the Alaska Sea Services Scholarship, an applicant must be the dependent (child or spouse) of a legal resident of the state of Alaska who is, or was at the time of death/designation as missing-in-action, a regular or reserve U.S. Navy, Marine Corps, or Coast Guard member on active-duty, inactive duty, or retired with or without pay.

Selected candidates will be those who rate highest in five key areas below:

Academic proficiency;
Character;
Leadership ability;
Community involvement; and
Financial need.

A selection board will be held by the Navy League Foundation. The selected nominee packages will then be submitted to Naval Education and Training Command (NETC) for final approval, after which selectees will be notified and scholarship funds will be disbursed to the appropriate academic institution.

Up to four $1,000 scholarships are awarded to applicants who meet the specified criteria. Applicants must also show acceptance at an accredited college or university for full-time undergraduate study for a Bachelor of Arts or Bachelor of Science degree.

No more than two scholarship awards may be given to any individual.

For details visit the Navy League website.

6 Things You Must Know About Repaying Student Loans

news@military-inc.com(Nicole Callahan, ED.gov) — Mon, 16 Oct 2017 20:24:13 +0000

When it comes to repaying your federal student loans, there's a lot to consider. By taking the time to understand the details of repayment, you can save yourself time and money.

REMEMBER: You never have to pay for help with your federal student loans. If you have any questions at all, contact your servicer. They provide free help.

This should help you get started.

When do I begin repaying my federal student loans?

You don't have to begin repaying most federal student loans until after you leave college or drop below half-time enrollment. Many federal student loans will even have a grace period. The grace period gives you time to get financially settled and to select your repayment plan. Note that for most loans, interest will accrue during your grace period.

Your loan servicer or lender will provide you with a loan repayment schedule that states when your first payment is due, the number and frequency of payments, and the amount of each payment.

Whom do I pay?

You will make your federal student loan payments to your loan servicer*, not the U.S. Department of Education (ED) directly. ED uses several loan servicers to handle the billing and other services on federal student loans. Your loan servicer can work with you to choose a repayment plan and can answer any questions you have about your federal student loans. It's important to maintain contact with your loan servicer and keep your servicer informed of any changes to your mailing address, e-mail, or phone number so they know where to send correspondence and how to contact you.

How much do I need to pay?

Your bill will tell you how much to pay. Your payment (usually made monthly) depends on

the type of loan you received,
how much money you borrowed,
the interest rate on your loan, and
the repayment plan you choose.

You can use the Department of Education's repayment estimator to estimate your monthly payments under different repayment plans to determine which option is right for you. Just remember, if you would like to switch repayment plans, you must contact your loan servicer.

How do I make my student loan payments?

There are several ways you can submit payments to your loan servicer, including options to submit your payment online through your loan servicer's website.

TIP: Your servicer may offer the option to have your payments automatically withdrawn from your bank account each month. You may want to consider this option so you don't forget to make your payments.

What should I do if I'm having trouble making my student loan payments?

Contact your loan servicer as soon as possible. You may be able to change your repayment plan to one that will allow you to have a longer repayment period or to one that is based on your income. If switching repayment plans isn't a good option for you, ask your loan servicer about your options for loan consolidation or a deferment or forbearance.

Note: Several third-party companies offer student loan assistance for a fee. Most of these services can be obtained for free from your loan servicer.

What happens if I don't make my payments?

Not making your student loan payments can result in default, which negatively impacts your credit score. This may affect your ability to borrow for things like buying a car or purchasing a home. Your tax refunds may also be withheld and applied to your outstanding student loan debt. There is never a reason to default. The Department of Education offers several options to ensure that you can successfully manage your student loans. If you're feeling overwhelmed or having difficulty making payments, contact your loan servicer for help.

*If you are repaying federal student loans made by a private lender (before July 1, 2010), you may be required to make payments directly to that lender.

Nicole Callahan is a digital engagement analyst at the Department of Education's office of Federal Student Aid.

College Bound Military Servicemembers - Top Questions To Ask

news@military-inc.com(CollegeRecon) — Mon, 16 Oct 2017 19:46:29 +0000

The college search and selection process can be a very difficult time for anyone who chooses the path to higher education. However, this process can be increasingly difficult for college-bound military servicemembers.

As a military-connected prospective student, there are unique challenges and requirements that must be addressed and met in order to position oneself for success in a collegiate environment. To date, too many military-connected students are either struggling at their selected schools or graduating with degrees of little value – leading to unsatisfactory career placement.

How do you ensure that your decision of where to enroll in college is the right one? It all starts with asking the right questions and doing your research. Below is a list of questions that you should be asking college administrators before deciding where you will attend. These questions focus on three key areas of the college experience: academics, military-related services, and student-life.

"Is there a full-time Veteran Counselor/Advisor on campus? What type of assistance do they offer for student-veterans and how do I contact them?" This individual is someone you can go to for academic, personal, or career assistance and advice.
"Is there a SVA (Student Veterans of America) chapter or any veteran related clubs on your campus?" If so, these organizations are great resources for you and offer an opportunity to connect with other student veterans on campus.
"Does your campus have a veteran center?" Certain campuses have impressive veteran centers and this shows a school's commitment to student-veterans.
"Has your school signed the VA Principles of Excellence?" This designation represents the school's commitment and focus on providing their student-veterans with premier services.
"What is the graduation rate for student-Veterans in four years? Six years? Is there a difference in the graduation rate between student-Veterans who attend campus versus online?" This is very important and always good to know when making your decision.
"Does your school accept ACE credit for military experience?" This allows you to translate your military experience into college credit, which ensures you will get the most out of your GI Bill.
"Is your school approved for TA funding and does your school participate in the Yellow Ribbon Program?" These are important from a financial standpoint and could save you thousands of dollars in tuition-related costs.
"What is your policy for accepting transfer credits from other colleges and their applicability to my intended major?" This is important to know if you are transferring from a two-year or four-year college to a school with no relation to your former institution – transferring credits could save you thousands of dollars and hundreds of hours.
"What is the school's process for appealing initial transfer decisions I don't agree with?" Finding the answer to this question gives you the ability to plan for the unexpected and is a great way of gaining an understanding of how the school treats and deals with students.
"What are the most popular majors among Veterans at this college?" This may seem broad and unimportant, but it can be beneficial to know when deciding your own major and it always helps to have the support of classmates with similar experiences as you.
If you are an active duty servicemember: "How many active duty military personnel are attending this college via Tuition Assistance benefits?" If you are an active duty servicemember, this information can be helpful in building a network of other servicemembers for support.
"What is the retention rate for student-Veterans after one to two years?" This data is very important to know because it portrays how past student-Veterans have performed while enrolled at that institution and shows how their military-related services are working.
"What is the employment rate for student-Veterans upon graduation?" This information is sometimes hard to find, but most schools do provide these statistics if you ask. Knowing the employment rate upon graduation is a key showcase of how well the school prepares its students for career preparation and placement.
"What is the average starting salary for a graduate with the degree I am looking to pursue at your school?" This is great to know because it shows how well respected the school is to industry employers and provides you some insight into what to expect with your degree selection.
"Where do most Veterans that attend this college live?" If you are looking to enroll as a traditional student (not taking online courses), it can be helpful to know if other student-Veterans are living on-campus or in a specific area off-campus. This can be important in building a network of supportive individuals with similar experiences while enrolled at your selected college.

These questions should be directed toward a college administrator in the Admissions office, preferably someone who deals with military-connected students' admission, or someone who works in the Veteran Affairs office on campus.

It is up to you to decide what questions are important to you. You can be assured that there is a college out there offering everything you need, you just have to be willing to find it. Investing time and energy in the college search and selection process is an integral step toward embarking down a successful and rewarding career and life journey.

CollegeRecon is a free online platform providing an unbiased and secure environment for current and former military personnel to search through and connect with over 3,000 not-for-profit colleges and universities from across the country. CollegeRecon allows you the ability to search for schools that fit your own unique needs, interests, and qualifications, and introduces you to decision makers in admissions and veteran service offices so that you can forge relationships with individuals on campus prior to making any decisions.

Which Colleges Have the Best Veterans Programs?

news@military-inc.com(Hannah Heine, CollegeRecon) — Mon, 16 Oct 2017 19:40:40 +0000

If you're a veteran who's going back to school, or still active duty looking to get your degree, there are a lot of considerations in your choice of schools. You probably have military experience that you can get college credit for. You also have financial considerations, so you may want a school that works with Tuition Assistance or the Yellow Ribbon program.

But how do you know which not-for-profit schools provide the best military-friendly programs for students?

Since 1988, US News & World Report has cranked out a yearly "America's Best Colleges" ranking publication. Within the publication there are a multitude of different lists including National Universities Rankings, National Liberal Arts Colleges Rankings, Regional Universities Rankings, Regional Colleges Rankings, and Best Undergraduate Business Programs to name a few (Yes, there are more.)

These rankings are determined by first categorizing the institutions based on type and mission. Then, institutions are ranked according to 16 different academic areas where each area has its own weight in the total ranking of the institution. (Whew. I know, bear with me)

But this ranking system doesn't have take into account veteran or military programs for students who previously served or are currently serving.

17 Key Veteran Benefits Programs Offered By Colleges

CollegeRecon identifies 17 key veteran benefits programs that are available on campuses to assist veterans and military personnel. They are:

BAH - The Monthly Housing Allowance (MHA) payments you receive for the Post 9/11 G.I. Bill are based on the military's Basic Allowance for Housing (BAH) rates for an E-5 with dependents. The Department of Defense adjusts the BAH every calendar year (or January 1) based on changes to housing costs across the country. BAH rates for online colleges, schools, or distance learning programs is $754.50. BAH is not paid during summer or winter breaks, but Spring Break counts. Dropping courses can negatively affect BAH payments.
Campus SVA Chapter - SVA chapters are student-veteran groups that have formed on college and university campuses to provide peer-to-peer networks for veterans who are attending those schools. The chapters are designed to be advocates for student veterans, and to help bridge the campus-to-career transition.
Full-Time Veteran Counselor On Campus - A full-time veteran counselor is on campus to offer support and assistance for any array of student-veteran issues. These counselors will assist veterans in a number of ways, including helping them determine which services they need to succeed, and then directing how to engage them.
Signed VA Principles Of Excellence - Educational institutions participating in the Principles of Excellence program agree to follow a set of guidelines pertaining to student-veteran issues. Examples of these guidelines include: Providing students with a personalized form covering the total cost of an education program and designating a point-of-contact for academic and financial advising.
Club/Association For Veterans - These institutions offer student-veteran clubs and associations on their campuses.
Veteran Upward Bound Program - The Veteran Upward Bound Program is designed to motivate and assist veterans in the development of academic and other requisite skills necessary for acceptance and success in a program of post-secondary education. The program provides assessment and enhancement of basic skills through counseling, mentoring, tutoring, and academic instruction in the core subject areas.
8 Keys To Veterans' Success - The "8 Keys to Veterans' Success" are steps that postsecondary institutions can take to assist veterans and service members in transitioning to higher education, completing their college programs, and obtaining career-ready skills. These postsecondary institutions have voluntarily affirmed their support for the 8 Keys.
Offers ROTC Program -The Reserve Officers' Training Corps is one of the best opportunities for you to get an invaluable experience while you earn a college degree. When enrolled in ROTC you learn and develop leadership skills and prepare for a career as an officer in the U.S. military. You will learn first-hand what it takes to lead others, motivate groups, and how to conduct missions as a military officer.
ACE Credit For Military Experience - The ACE Military Evaluations Program evaluates formal military training in terms of academic credit, allowing thousands of military personnel to earn credit for college-level learning acquired in the military. Your Joint Service Transcript (JST) may be sent as an official document to colleges and universities, at the student's request, for use in the credential evaluation process.
Follow ACE Standards For Credit - ACE's Military Guide presents credit recommendations for formal courses and occupations offered by all branches of the military. All recommendations for credit approval are based on ACE reviews conducted by college and university faculty members who are actively teaching in the areas they review.
Awards Credit For CLEP Exam - The CLEP exams allow Veterans to receive college credit by earning qualifying scores on any one or more of 34 assessments, allowing them to move directly into higher-level courses, saving time and money.
Awards Credit For DSST Exam - DSST (formerly DANTES) are also credit-by-examination tests. Whereas CLEP tests are almost exclusively used for lower-level credit at regionally accredited institutions, DSST's are available for both upper and lower level credit.
In State Tuition Extended For Active Duty - These institutions charge active duty Veterans, regardless of their actual state of residence, no more than the in-state tuition rate for a resident of the state.
Approved For TA Funding - Military Tuition Assistance (TA) is a benefit paid to eligible members of the Army, Navy, Marines, Air Force, and Coast Guard. Congress has given each service the ability to pay up to 100% of the tuition expenses for its members. Each service has its own criteria for eligibility, obligated service, application process and restrictions. This money is usually paid directly to the institution by the individual services.
Yellow Ribbon Program - Tuition & fees may exceed the amount the Post 9/11 GI Bill will pay if you are attending a private school, or are attending a public school as a nonresident student. Institutions participating in the Yellow Ribbon Program make additional funds available for your education program without an additional charge to your GI Bill entitlement.
Scholarships For Military - Apply for a military specific scholarship at these institutions to help drive down the cost of your education.
Reduced Tuition For Military - These institutions offer tuition discounts for members of the U.S. Armed Forces.

The Key Factor: Credit for Military Training

Not all institutions are going to adhere to all of these categories or participate in every student-Veteran benefits program. However, I do think that receiving credit for military experience is the most important consideration when searching for a college or university to attend.

If Veterans or military personnel are able to acquire credit for military training, they are already helping to drive down another important factor, the price of an education. More credits acquired equals less courses to take for that particular degree.

In my ranking, earning credit is the most important factor when searching for a college or university as a veteran or military personnel.

I have therefore ranked the top four most important categories from CollegeRecon's 17 veteran benefit categories as: ACE Credit For Military Experience, Follow ACE Standards For Credit, Awards Credit For DSST Exam & Awards Credit For CLEP Exam.

Now for the comparison.

#1 in the National Universities Rankings from US News & World Report

Let's dive into these rankings to see how US News & World Report's top ranking institutions hold up in terms of student-Veteran programs and assistance on campus.

Princeton University

While Princeton University is #1 in the National Colleges Rankings from US News & World Report, I found that Princeton only awards credit for the CLEP exam.

Williams College

Ranking #1 in the National Liberal Arts Colleges on US News & World Report, Williams College doesn't participate in any of my top four most important categories. However, they do have BAH, Signed VA Principles of Excellence and the Yellow Ribbon Program.

Villanova University

Nova is #1 in the Regional Universities Rankings (North) via US News & World Report, but this school only awards credit for the CLEP exam.

Elon University

Elon ranks #1 in the Regional Universities (South) on US News & World Report, but only awards credit for the CLEP exam.

Creighton University

Coming in at #1 in the Regional Universities Rankings (Midwest) on US News & World Report, Creighton University only awards credit for the CLEP exam.

Trinity University

Trinity is #1 in the Regional Universities Rankings (West) via US News & World Report, but doesn't participate in any of our top 4 most important categories. However, Trinity does participate in BAH, Veteran Upward Bound Program, ROTC, and the Yellow Ribbon Program.

United States Coast Guard Academy

The United States Coast Guard Academy ranks #1 in the Regional Colleges Rankings (North) on US News & World Report. Since this college is a military academy, I decided to pass onto #2 in this category to see what more I could find.

Cooper Union

Cooper comes in at #2 in the Regional Colleges Rankings (North) via US News & World Report, but this school doesn't participate in any of our top 4 most important categories.

High Point University

#1 in the Regional Colleges Rankings (South) via US News & World Report, High Point University awards credit for the CLEP exam.

Taylor University

Taylor ranks #1 in the Regional Colleges Rankings (Midwest) on US News & World Report. I also found that Taylor awards for ACE Credit For military experience, follows ACE standards for credit, & awards credit or CLEP Exam. Definitely a veteran-friendly school!

Carroll College

Coming in at #1 in the Regional Colleges Rankings (West) via US News & World Report, this school awards for ACE Credit For Military Experience, follows ACE standards for credit, and awards credit for CLEP exam. Another veteran-friendly school!

What can you take away from this comparison?

As I have shown you, not many of the top institutions (according to US News & World Report's ranking) are giving Veterans and military personnel the opportunity to acquire credit for their service experience and knowledge.

Although this isn't the only way that institutions can support Veterans and military personnel, it is one of the most beneficial. Acquiring credit leads to saving both money and time, and no one can deny that starting off with credit under your belt gets you going on the right foot.

Should you base your choice on which college or university to attend solely on whether or not you can acquire credit for military experience?

I suggest getting the full picture of the institution's student-Veteran benefit programs before you enroll in or toss an institution to the side. Going through the university's full profile to review all 17 different categories is the best way to do this.

Each university has a "Military Offerings" tab on its CollegeRecon profile page where you can find all of the categories listed with a very simple 'yes' or 'no' as to whether they participate or not. If you have more questions about a specific university or their offerings you can begin a chat right there on CollegeRecon with the school's admissions personnel.

Another way to search for institutions with Veteran and military programs is to go directly to the search tab and click on all of the programs an institution must have in order for it to come up on your search. This way, the only schools you will be delving through will only have those programs that you deem necessary for your success.

The better picture you have of schools' offerings, the better decision you will be able to make on whether it fits your specific needs.

Back to the rankings

If I was to make my own list of top colleges and universities based only on the 17 categories of student-Veteran benefit programs what would that list look like? Look no further

The Top 8 Colleges and Universities with the Best Veterans Programs

Wright State University-Main Campus
Old Dominion University
University of North Dakota
Southern Illinois University- Carbondale Campus
Eastern Kentucky University
Jacksonville University
Austin Peay State University
University of Utah

These eight schools are the only not-for-profit institutions that participate in or provide all 17 of the veterans benefits categories.

How can this list better serve you?

Getting your degree is one of the best decisions you can make no matter your age or expertise. It can also be the hardest decision (I know this from experience). There are thousands of higher education institutions in the U.S., and you have to choose just one.

This list is a good place to start. Finding the right school that fits your needs is a daunting task. Having somewhere to start, or even just a list to begin from, can help you begin the process.

It's important to note that you can find schools based on numerous factors. If you look only at veteran support programs on campus, you'll have a very different list than US News and the other ranking websites. Balance out your needs, criteria, and Veteran preferences. And don't be afraid to chuck it all and pick the school that just feels right, regardless of veteran friendliness.

CollegeRecon is a virtual tool providing an environment for current and former military personnel to connect with over 3,000 not-for-profit colleges and universities from across the country. Just as training was crucial to your military service, education is vital to your success as a civilian. Built upon three pillars: Build, Search, and Connect - CollegeRecon equips you with the tools and protection to pursue your collegiate dreams.

Free SAT and ACT Test Prep Program

Tue, 26 Sep 2017 17:48:54 +0000

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Post-9/11 GI Bill Overview

Mon, 18 Sep 2017 17:58:01 +0000

The Post-9/11 GI Bill provides education benefits for those who have served on active duty for 90 or more days after Sept. 10, 2001.The payment rate depends on how much active duty time a member has.

What it Pays

The Post-9/11 GI Bill has several parts including:

Up to 100% Tuition and Fee Coverage
Monthly Housing Allowance
Up to $1000 a year for Books and Supplies
Ability to Transfer Your GI Bill to Family Members
The Yellow Ribbon Program

What Can You Use It For?

You can use your Post-911 GI Bill for many things including:

College degrees like Associate, Bachelor, or higher
Vocational/Technical Training including non-college programs
On-the-job/Apprenticeship Programs
Licensing & Certification Reimbursement
National Testing Programs like SAT, CLEP, AP, etc
Flight Training
Correspondence Training
Work-study
Tuition Assistance Top-Up
Tutorial Assistance

Obtaining Your Degree While Serving

news@military-inc.com(LTC Eurydice S. Stanley, Reserve Component Advisor) — Tue, 05 Sep 2017 16:02:09 +0000

I'd like to introduce a Service member who used education to level the playing field for her future. Kimberly McClain, Ph.D., is a major in the United States Air Force Reserves and serves as an adjunct professor of international business for Northcentral University. She currently teaches doctoral courses in international business, global marketing environment, cultural environment of global business and international business strategic management. While McClain is well-accomplished in her own right, she also is currently assigned to the Pentagon as Chief of Operations, Policy Integration Division, Headquarters Air Force Studies and Analyses, Assessments and Lessons Learned.

McClain began her career as an enlisted Service member, went to OTS, became an officer and attended flight school. She did all of this as a single mother. She has flown more than 1,600 hours in E-3 AWACS aircraft, and has served as a pilot for the Commander in Chief. She went back to school to get a degree, and you can too! She holds a bachelor's degree in psychology from the University of Texas, a master's degree in human relations and international business from Amberton University, and a doctorate of philosophy in international business from Northcentral University.

In a candid interview, McClain shared insights regarding her path to educational success.

What has been your "path of service” in the military?

My path in the military has been non-traditional. I joined the military in 1991 after failing miserably at college the first three times. I loved school, but only when it was sunny. The result after my first few semesters was a whopping 1 point something. Not good.

What made you pursue your Ph.D.?

My son Darrien. I wanted to inspire him to drive towards excellence or at least give it his best shot in school. Simply put, I wanted to teach and lead by example.

How did you balance schoolwork with family and work responsibilities?

Very carefully. I can't say that I do it well all the time, but I try. It has taken a few years and a lot of heartache, but I have come to realize that I cannot compare myself to anyone else. Once I stopped comparing how I balance my life and priorities, balancing work and life became easier. Everybody has a different way of balancing life. For our family, I maintain a "Team McClain” calendar that has everyone's schedule. This helps me keep from over-committing myself and feeling overwhelmed. Even more importantly, I am very blessed to have a supportive husband and family. My husband and children keep me grounded and focused.

Why is it important for military personnel to pursue their education?

It is important to have the educational foundation and credentials to support your experience. Getting a degree not only provides you with a personal sense of accomplishment, but shows potential employers that you can see things through to completion. It shows them commitment. This summer I will be headed back to school at the National Intelligence University for the Master of Science in Strategic Intelligence program. This professional military education (PME) program is an amazing opportunity for me to gain additional experience that I will be able to use in my post-military career in public service.

Should military personnel own their own businesses?

If they have a business, product, or service they are passionate about, then absolutely. I would encourage people to do their research on their industry of interest and then contact the Small Business Association (SBA) for assistance on starting a veteran owned business.

Any words of wisdom for Service members considering going back to school?

Most military members will be too young to completely retire. We (military members) have obtained a lot of skills during our careers that can translate into second careers. Find your passion and pursue it with the same vigor that you employed in your military career. While that may sound trite, it is very true.

Reserve Education Assistance Program (REAP)

Fri, 01 Sep 2017 21:18:43 +0000

The REAP program has been terminated for all new applicants, it is scheduled to terminate completely in November of 2019.

The Reserve Educational Assistance Program (REAP) is a VA education benefit program designed to provide educational assistance to members of the Reserve components called or ordered to active duty in response to a war or national emergency (contingency operation)* as declared by the President or Congress.

The Department of Veterans Affairs will administer the program and pay benefits from funds contributed by Department of Defense. However, the DoD and Department of Homeland Security will determine eligibility.

REAP benefits cannot be used with other VA educational benefits. You must make an irrevocable election choosing which program you want your military service to count towards. However, if you are eligible for a Reserve GI Bill Kicker (College Fund), you can still be paid that kicker while receiving REAP.

Note: "Contingency operations" as defined in title 10 U.S. Code means "Military operations that are designated by the Secretary of Defense as an operation in which members of the armed forces are or may become involved in military actions, operations or hostilities against an enemy of the United States or against opposing military force; or results in the call or order to, or retention on active duty of members of the uniformed services..."

The Benefit Amount

The payment amount for REAP is determined by the number of days you were activated. Each year in October REAP payment rates increase to meet the growing cost of education.

Time Reserve Member Serves on Active Duty

Full-Time Rate
(Eff. Oct. 1, 2017)

90 days but less than one year

$771.20

One year but less than two years

$1,156.80

Two years or more

$1,542.40

Note: Reduced rates will apply for correspondence, flight, apprenticeship/OJT and licensing and certification training.

Some servicemembers may contribute up to an additional $600 to receive increased monthly benefits. Please see our GI Bill Buyup Program Page for more information.

Eligibility

A member of a reserve component who served on active duty on or after September 11, 2001 under title 10 U.S. Code for a contingency operation and who serves at least 90 consecutive days or more is eligible for REAP.

National Guard members are also eligible if their active duty is under section 502(f), title 32 U.S.C. and they serve for 90 consecutive days when authorized by the President or Secretary of Defense for a national emergency and is supported by federal funds.

Individuals are eligible as soon as they reach the 90-day point whether or not they are currently on active duty. DoD will fully identify contingency operations that qualify for benefits under REAP.

You normally have 10 years after your separation from the guard or reserves to use your benefit. If you leave the reserves or guard before your contract is up, you are no longer eligible for the REAP program.

Disabled members who have an illness or disease incurred or aggravated in the line of duty, and are released before completing 90 consecutive days, are also eligible.

How to Apply

You can start the application process by applying online via the VA's VONAPP online application program.

Survivors & Dependents Educational Assistance (DEA)

Fri, 01 Sep 2017 21:04:35 +0000

The following guide will help you determine if you are eligible and how to apply for the the Dept. of Veterans Affairs DEA program.

The Survivor's and Dependents' Educational Assistance (DEA) program provides education and training opportunities to eligible dependents of certain veterans. The program offers up to 45 months of education benefits. These benefits may be used for degree and certificate programs, apprenticeship, and on-the-job training. If you are a spouse, you may take a correspondence course. Remedial, deficiency, and refresher courses may be approved under certain circumstances.

2017-2018 DEA Payment Rates - these rates are effective October 1, 2017.

Type of Training

Full Time

3/4 Time

1/2 Time

<1/2 but >1/4 Time

1/4 Time

Institutional

$1,041

$780

$519

$260.25

Farm Cooperative Training $837 $630 $417 N/A N/A

Special Restorative Training

$1,041

Accelerated Charges - Cost of Tuition and Fees in Excess of $322

Entitlement Reduced 1 day for each $34.70 (1/30th of fulltime rate)

Apprenticeship/On-the-Job Training

First six month period:

$760 Second six month period: $571 Third six month period: $375 Remainder of program: $191

To be eligible, you must be the son, daughter, or spouse of:

A veteran who died or is permanently and totally disabled as the result of a service-connected disability. The disability must arise out of active service in the Armed Forces.
A veteran who died from any cause while such service-connected disability was in existence.
A servicemember missing in action or captured in line of duty by a hostile force.
A servicemember forcibly detained or interned in line of duty by a foreign government or power.
VA determines has a service-connected permanent and total disability; and
- at the time of VA's determination is a member of the Armed Forces who is hospitalized or receiving outpatient medical care, services, or treatment; and
- is likely to be discharged or released from service for this service-connected disability.

If you are a son or daughter and wish to receive benefits for attending school or job training, you must be between the ages of 18 and 26. In certain instances, it is possible to begin before age 18 and to continue after age 26. Marriage is not a bar to this benefit. If you are in the Armed Forces, you may not receive this benefit while on active duty. To pursue training after military service, your discharge must not be under dishonorable conditions. VA can extend your period of eligibility by the number of months and days equal to the time spent on active duty. This extension cannot go beyond your 31st birthday.

If you are a spouse, benefits end 10 years from the date VA finds you eligible or from the date of death of the veteran. However, if you are a surviving spouse of a servicemember who died on active duty, your benefits end 20 years from the date of death.

You should make sure that your selected program is approved for VA training. If you are not clear on this point, VA will inform you and the school or company about the requirements.

Apply online using the VA's VETS.GOV website.

Overview of Military Education Benefits

Fri, 01 Sep 2017 21:04:04 +0000

Military service offers a tremendous array of education benefits that can be used while you are on active duty or after you leave the service. A good education is essential for your career both in uniform and out, so take advantage of the education benefits you've earned.

While in service, members have access to up to $4,500 a year in Tuition Assistance. TA is paid to the school on a per class basis. Servicemembers can also use GI Bill benefits, however, it is seldom a good idea to do so while on active duty.

The centerpiece of armed services educational benefits is the GI Bill which encompasses several Department of Veterans Affairs education programs including the Post-9/11 GI Bill, The Montgomery GI Bill for Active Duty and Veterans (MGIB-AD), Montgomery GI Bill for Selected Reserves (MGIB-SR),the Fry Scholarship, the Spouse and Dependents Education Assistance (DEA), and the Vocational Rehabilitation and Employment (VR&E) program.

You may be eligible for more than one educational benefit. Knowing when each is best for your situation can save you money and ensure you get the most out of your benefits. Click here to learn more about choosing between GI Bill benefit programs.

Finally, remember that each service has its own tuition assistance programs, college funds and other means that may be able to help you in ways beyond those of the "standard" benefits listed here. Talk with an Education Service Officer, Navy College counselor or military recruiter to find out more.

Summary of Education Benefits

The following table is a brief summary of each of the major education benefits offered to servicemembers, veterans and in some cases their families. Follow the associated links to learn more details about each program.

Program

What is it?

Who is Eligible?

Benefit

Tuition Assistance

Tuition Assistance is a military benefit that pays the cost of tuition and some fees.

Virtually all military servicemembers are eligible. However criteria for eligibility is determined by each branch.

Tuition Assistance covers up to 100% Tuition and Fees Not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour

$4500 @ Fiscal Year
*Navy has a 16 credit hour Annual Limit.

Post-9/11 GI Bill

The Post 9/11 GI Bill provides up to 36 months (4 regular school years) of education benefits to eligible servicemembers and veterans for:

College
Business Technical or Vocational Courses
Correspondence Courses
Apprenticeship/Job Training
Flight Training
Licensing & Testing Programs

Servicemembers (Active Duty, Guard and Reserve) and Veterans who have served at least 90 days on active duty since 9/10/2001.

Survivors of military member who died on active duty after 9/10/2011 may be eligible for Fry Scholarship program which pays the same as Post-9/11 GI Bill

Paid Tuition and Fees, Living (Housing) Stipend and Book Stipend.

Benefits are tiered based on number of days on active duty.

Some limitations apply to those currently on active duty.

Benefits can be transferred to Spouse or Family member.

Montgomery GI Bill - Active Duty & Veteran

MGIB provides up to 36 months (4 regular school years) of education benefits to eligible veterans for:

College, Business
Technical or Vocational Courses
Correspondence Courses
Apprenticeship/Job Training
Flight Training

Active Duty members who have served at least two years on active duty.

Veterans - there are four categories of Veteran eligibility depending on when you enlisted and how long you served on active duty.

Up to $1,928 per month for full-time institutional education.

Montgomery GI Bill - Selected Reserves

Same as MGIB-AD at reduced rates.

Six-year obligation to serve in the Selected Reserve.
Officers must agree to serve six years in addition to their original obligation.
High school diploma/GED.
Maintain Selected Reserve Status.

Up to $375 per month for full-time institutional education.

Loan Repayment (LRP)

Your service may partially or fully repay college loans.

Generally for enlisted members only. Several factors determine your eligibility, including your branch, your MOS, and terms of your contract.

Your loans must be in good standing, i.e. not in default.

About repayment programs:

Army Student LRP
Navy Ed Programs
Marines Ed Programs
Air Force Programs

There are also specialized loan repayment programs for health professional officers.

Tuition Assistance "Top-Up" Program

An additional benefit intended to supplement tuition assistance from the military with GI Bill benefits.

To be eligible for the Top-up benefit, the person must be approved for federal Tuition Assistance by a military department and be eligible for GI Bill benefits.

Normally Tuition Assistance will pay up to 75% of the cost of classes, the top-up program will pay the remainder of the cost.

Survivors' and Dependents' Educational Assistance Program (DEA)

Education and training opportunities to eligible dependents of certain veterans. May be used for degree and certificate programs, apprenticeship, and on-the-job training.

You must be the son, daughter, or spouse of a servicemember who died, is missing, or was permanently disabled while on duty or as a result of a service-related condition.

Up to $1,041 per month for full-time institutional education.

Work-Study Program

If you're a full-time or 3/4-time student in a college degree program, or a vocational or professional program, you can "earn while you learn" with a VA work-study allowance.

The VA work-study allowance is available to persons training under one of the VA benefit programs:

GI Bill
Vocational Rehabilitation (for Veterans)
DEA
Dependents may also be eligible

You'll earn an hourly wage equal to the Federal minimum wage or your State minimum wage, whichever is greater.

Tutorial Assistance Program

Tutorial assistance for programs you are having difficulty with.

If you have questions on this program please contact the VA's toll-free number 888-442-4551.

If you are receiving VA benefits at a half-time or more rate, you are eligible.

VA may provide you with a tutor or with information for finding one.

Education Links Air Force

Air Force Tuition Assistance
Community College of the Air Force
Family Member Educational Assistance Programs

Army

Army Tuition Assistance
Student Loan Repayment Program
High School Completion Programs
Family Member Educational Assistance Programs

Navy

Navy Tuition Assistance
Sailor/Marine American Council on Education Registry Transcript
Family Member Educational Assistance Programs

Marine Corps

Marine Corps Tuition Assistance
Family Member Educational Assistance Programs
Sailor/Marine American Council on Education Registry Transcript

Coast Guard

Coast Guard Tuition Assistance
College Student Pre-Commissioning Initiative
Family Member Educational Assistance Programs

The Montgomery GI Bill (Active Duty)

Fri, 01 Sep 2017 20:56:37 +0000

The Montgomery GI Bill Active Duty (MGIB AD) provides up to 36 months of education benefits for the following applications:

College, business, technical or vocational courses
Distance Learning including Correspondence Courses
Certification Tests
Apprenticeship/Job Training (Veterans, Guard, and Reserve only)
Flight Training

Current Payment Rates

If you're a full-time student enrolled in a regionally or nationally accredited college or university, you can get up to $1,928 a month to cover your education, including high-tech or vocational-technical programs. The total of this benefit adds up to over $69,000 -- and these benefits adjust every year. But don't wait to use the Montgomery GI Bill -- these benefits are usually only good for up to 10 years after you separate from the military. See current payment rates for all levels of enrollment.

Montgomery GI Bill Active Duty Eligibility

You qualify for the GI Bill if you meet the following requirements:

You contribute $100 a month for the first 12 months you are in active duty, and
You are Honorably Discharged. Discharges "under honorable conditions" and "general" discharges don't qualify for the GI Bill, and
You have completed High School or have an equivalency certificate before you apply for benefits, and
You have served at least two years on active duty.

However, you don't qualify if:

You declined the GI Bill AD in writing upon entry to active duty.
You were commissioned through a Service Academy (West Point, Air Force Academy, Naval Academy, Coast Guard Academy, etc.). Exception: If you qualified for the GI Bill because of a previous term of enlistment, you don't lose it by graduating from a service academy.
You were commissioned through an ROTC Scholarship and received more than $3,400 per year in ROTC scholarships. As with service academy commissions, if you fully qualify for the GI Bill before being commissioned through an ROTC Scholarship, through a previous enlistment period, this doesn't apply.

Application Process

You can apply for the GI Bill online at the VA's VETS.GOV website. For more details, see the Active Duty GI Bill User's Guide and get started using your benefits.

More Information

Also good to know are Additional Features and Details of the GI Bill, including the $600 Buy-up program.

Montgomery GI Bill

Fri, 01 Sep 2017 20:45:25 +0000

The Montgomery GI Bill helps service members and veterans meet their education and training costs with monthly benefit payments.

The Montgomery GI Bill (MGIB) provides over $69,000 in cash and numerous support programs.

The value of the MGIB is based on the current maximum monthly payment rate of $1,928 multiplied by the 36-month limit. This "payment rate" automatically adjusts for inflation on the first of October each year. You get the current payment rate no matter when you became eligible or begin using it.

The term "36 months of benefits" refers to academic months. This means you will have up to 8 semesters (four years) of traditional academic education.

Your MGIB can be used to pay for many different programs including the following:

College, Business Technical or Vocational Courses
Distance Learning including Correspondence Courses
Apprenticeship/Job Training (Veterans and Reserve Only)
Flight Training
Licensing and Certification Exams
High-tech Accelerated Training
National Testing Programs

Note: Your actual benefits may be higher if you signed up for the Army, Navy or Marine Corps College Funds.

Eligibility
You qualify for the Montgomery GI Bill if:

You contribute $100 a month for the first 12 months you are in active duty, or qualify under VEAP conversion.
You have completed High School or have an equivalency certificate before you apply for benefits.
You have served at least 2 years on active duty.
You received an Honorable discharge from active duty.

Check out the GI Bill Eligibility Fact Sheet for more details.

GI Bill - Not Just for College

Fri, 01 Sep 2017 20:41:41 +0000

Veterans can qualify for GI Bill benefits, even if they are not going to college, and many of them are unaware of that fact.

Many veterans are not aware they can use their GI Bill benefits for on-the-job training and apprenticeship programs with most businesses. These programs are excellent ways to enable a veteran to acquire a skill under the supervision of an experienced worker in a practical 'hands-on' way.

There are a wide variety of on-the-job and apprenticeship opportunities available. Some examples include:

Union plumber
Hotel management
Firefighter
EMT
Journeyman electrician
Operating Engineer
Gunsmith
Taxidermist
Diesel mechanic

VA will pay you GI Bill benefits on a sliding scale depending on how long you are in training. You will also receive a salary from your employer. The VA benefit usually decreases every 6 months and the salary increases every six months. At the end of your training you will be certified in your trade.

Post-9/11 GI Bill Apprenticeship & On-the-Job Training Payments

If you are using the Post-9/11 GI Bill, you will get 100% of the monthly housing allowance for the first six months of training, 80% for the second six months, 60% for the third six months, 40% for the fourth six months, and 20% for the remaining months of training.

Montgomery GI Bill - Active Duty Apprenticeship & On-the-Job Training Payments

Those using the Active Duty Montgomery GI Bill program can get $1,446.00 a month for the first six months of training, $1,060.40 for the second six months of training and $674.80 for remaining training.

Montgomery GI Bill - Selected Reserve Apprenticeship & On-the-Job Training Payments

VA pays GI Bill Selected Reserve participants on a similar scale but at the following reduced rates; $281.25 a month for the first six months of training, $206.25 for the second six months of training and $131.25 for remaining training.

Surviving dependents and spouses and dependents of permanently and totally disabled veterans are also eligible to apply for OJT/Apprenticeship benefits.

To use GI Bill benefits while enrolled in an on-the-job training or apprenticeship program, you must work 30 hours or more per week, and the employer must agree to establish the program.

GI Bill License and Certification Program

Fri, 01 Sep 2017 20:40:01 +0000

The GI Bill can reimburse you for licensing and certification tests that have been specifically approved for the GI Bill. VA can pay only for the cost of the tests, not any other fees connected with obtaining a license or certification.

The following is a summary of the GI Bill License and Certification Reimbursement Program.

Overview of the GI Bill Certification Program

In today's business and federal workforce, having a license or certification can open doors for you. A license is required for most professions, and for jobs that are subject to state or other government regulations. Certification is voluntary, but frequently sought after. That's because getting a certification can help you get, keep, or advance in a job.

In jobs like mechanics, realtors, medical technicians, project managers, computer network engineers, and many more it's clear that certifications play a key role.

You can receive reimbursement of up to $2,000 per test but not more than the actual cost of the test. You can receive benefits to retake a test if you fail. The number of tests you can take is unlimited, except that you can't receive benefits to retake a test you passed.

Note: Your total months of entitlement to VA education benefits will be reduced each time you use your benefits for licensing and certification. For the Post-9/11 GI Bill the amount your entitlement is charged is based on an annual maximum amount and is rounded up. For example, in the 2018/2019 academic year the annual maximum amount is $1,902.61 - so if your test costs $1,903.00 your are charged 2 months of entitlement. For all other GI Bill programs the VA divides the cost of the test by your monthly benefit rate for full-time training. For example, if your test costs $500, and $1,000 is your full-time student payment rate, you'd use one half-month of entitlement.

You may receive this benefit if you're eligible for:

The Post-9/11 GI Bill
The Montgomery G.I. Bill - Active Duty (this benefit isn't available for the MGIB for reservists)
Dependents' Educational Assistance
The Fry Scholarship

Filing an Application

If you have never filed an application for education benefits, you need to apply online via the VA's VETS.GOV website.

After you apply for GI Bill benefits, or if you have already been determined eligible by the VA you should complete and submit the VA Form 22-0803 (Application for Reimbursement of Licensing and Certification Test).

You can find the approved tests at www.benefits.va.gov/gibill, on the Licensing and Certification page. If the test you're taking isn't on the approved list, the testing company can ask their State Approving Agency to see if it can be approved.

GI Bill FAQ

Fri, 01 Sep 2017 20:35:46 +0000

Q: Is the GI Bill considered Financial Aid?

A: Not in the traditional sense. In most cases, the school's financial aid department does not consider the GI Bill financial aid.

This means that you are eligible for student loans, scholarships, and Pell Grants along with the GI Bill. But it is important to note that your GI Bill income can reduce the amount of student financial aid you are eligible to receive, also if you receive a scholarship your Post-9/11 GI Bill will not pay as much to the school, however your housing allowance will not be affected.

For help in locating scholarships, see the Scholarship Finder.

Q: How long do I have to use my benefits?

A: Once you have separated from the service you have 15 years to use your Post-9/11 GI Bill benefits and 10 years to use your Montgomery GI Bill benefits. Although separating from service "starts the clock" on your time limit, you should know that if you rejoin active-duty service for more than 90 days your eligibility clock is reset. In other words, you get 15 or 10 years from your last discharge.

Example: Seaman Smith left the active duty and joined the Navy Reserve. Three years later she returned to active duty with twelve years remaining on the Post-9/11 GI Bill clock. When she leaves the service again the 15 year period of eligibility begins again. She now has a fresh 15 years left to use ALL of her benefits or she will lose her remaining balance, which then returns to Uncle Sam.

Q: Can I stop and start using the GI Bill at will?

A: YES! Unfortunately, many people believe that once you apply for benefits you have to remain enrolled in school to get the full benefit. Thankfully that's not true, you can use the GI Bill for any period of time, take time off and re-apply to use it again at a later date.

Q: What does a "month" of benefits mean?

A: Example For Veterans:

Every time you attend one full month of classes as a full-time student you are charged one month of benefits. For example if you are attending classes as a half-time student you will have to attend two full months to be charged one month of benefits. Likewise, if you are attending classes from the 1st through the 15th of the month you will only be charged 1/2 month of entitlement.

It is important to remember that your monetary benefit will be proportionally affected by your attendance as well. If you are attending classes as a half-time student under the Post-9/11 GI Bill you will only receive 1/2 the normal Monthly Housing Allowance, if you are recieving the Montgomery GI Bill you will receive 1/2 of the maximum monthly benefit.

However for active duty:
If you are on active duty and you go to school full-time for four months, but your tuition is only $1,000, you will still be charged for four months of your GI Bill 36 month entitlement.

Note: It only "pays" to use your GI Bill on active duty if your tuition costs are high or you use it as Top-up.

Q: How is Top-up charged against my GI Bill Benefit?

A: If you are receiving the Post-9/11 GI Bill your entitlement is charged based on the training time you are enrolled in. If you are going to classes at 1/2 time attendance you will be charged 1/2 month of GI Bill entitlement no matter how much money you recieve in GI Bill benefits.

If you are receiving the Montgomery GI Bill-Active Duty your entitlement is charged based on the amount of money you receive. For example, if the Montgomery GI Bill-Active Duty full time rate is $1,928 a month, you will be charged one month of entitlement for each $1,928 you recieve, if you are paid $964.00 you will be charged 1/2 month of entitlement, and so on.

Q: How often will I receive payments?

A: In most cases you will receive your benefits on a monthly basis. The Post-9/11 GI Bill will issue your Monthly Housing Allowance automatically, the Montgomery GI Bill will not be paid until you verify to the VA that you are actually attending school. This can be done online or by telephone. Within five days you will receive a direct deposit of your monthly benefits.

Your payments will be issued after the month is completed, for instance you will recieve your March payment in April.

Q: Will I have to pay taxes on my GI Bill benefits?

A: NO! Your GI Bill benefits are NOT taxable!

Q: What are the current "payment rates?"

A: The MGIB Payment rates increase every year. See the current GI Bill payment rate tables to view the details and this year's payment rate.

Q: Can I be eligible for more than one benefit?

A: You may be eligible for more than one VA education benefit. If you are, you must elect which benefit to receive. You can't receive payment for more than one benefit at a time.

The VA Education Benefits include:

Post-9/11 GI Bill
The Montgomery GI Bill-Active Duty(MGIB-AD)
The Montgomery GI Bill- Selected Reserve (MGIB-SR)
Vocational Rehabilitation and Education (VR&E)
Survivors' and Dependents' Educational Assistance (DEA)
The Gunnery Sergeant John David Fry Scholarship (Fry Scholarship)
Reserve Educational Assistance Program (REAP)
Veterans' Educational Assistance Program (VEAP)

Q: How do I get started?

A: You can apply for the GI Bill online at the VA's vets.gov website.

Using Your GI Bill for Apprenticeship and OJT Training

Fri, 01 Sep 2017 20:34:16 +0000

Did you know you can use your GI Bill to receive job training in an On-the-Job or Apprenticeship training program? If you are a veteran or currently in the guard or reserve, the GI Bill offers you an alternative way to use your GI Bill benefits. The following is a summary of these GI Bill benefits.

Post-9/11 GI Bill Apprenticeship & On-the-Job Training Payments

Montgomery GI Bill - Active Duty Apprenticeship & On-the-Job Training Payments

Those using the Active Duty Montgomery GI Bill program can get $1,336.00 a month for the first six months of training, $1,060.40 for the second six months of training and $674.80 for remaining training.

Montgomery GI Bill - Selected Reserve Apprenticeship & On-the-Job Training Payments

Surviving dependents and spouses and dependents of permanently and totally disabled veterans are also eligible to apply for OJT/Apprenticeship benefits.

Qualifying Jobs

To qualify, your job must meet the following criteria:

You must be supervised at least 50 percent of the time.
Job training must lead to an entry-level position. (Management training programs do not qualify.)
You must be a full-time paid employee - not on commission.
Your training must be documented and reported.
You cannot have previous experience job experience in that field.
You must be recently hired (within one to two years).
The job must require at least six months training to become fully trained.
The employer may be private, local or state government.

Companies Who Have Participated in OJT or Apprenticeship Programs

Here is a list of well-known companies who have participated in the VA's OJT & Apprenticeship Program in the past:

Pirelli Tire Co.
Proctor & Gamble Co.
Merck Pharmaceuticals
Cessna Aircraft
Gulfstream Aerospace Corp.
Lockheed Martin Corp.
Bell South
Local Union Joint Apprenticeship & Training Commissions (Carpenters, Linemen, Electricians, Pipefitters, Roofers, HVAC, etc.)
Pratt and Whitney Engine Co.
Law enforcement (police, sheriff, State Patrol)
Dept. of Corrections (prisons, detention centers)
Local Fire Departments
Department of Homeland Security (customs & immigration officers)

Eligibility for the OJT/Apprenticeship Program

You may be eligible if you are eligible for the GI Bill either under the Active Duty (Veteran) or Reserve GI Bill programs and:

You are no longer on active duty
You were recently hired or promoted
You left active duty less than 10 years ago for Montgomery GI Bill or 15 years ago for Post-9/11 GI Bill or
You are currently a member of the Guard or Reserve (Reserve GI Bill)

So, if you are qualified for the GI Bill and you have started a new job or apprenticeship program, you should apply for this little known GI Bill benefit. In some cases, the VA will even pay retroactively for OJT from the past 12 months.

Take the Next Step

Your next step should be to contact your nearest the VA or local State Approving Agency (SAA). Your SAA can help you will help you get started on the process and answer any questions you may have.

Montgomery GI Bill User Guide

Fri, 01 Sep 2017 20:31:27 +0000

Active Duty Montgomery GI Bill (MGIB) benefits are available for servicemembers to help with education and training costs, you can become eligible if you are an active duty member who enrolls and pay $100 per month for 12 months. You are then entitled to receive a monthly education benefit once you have completed a minimum service obligation.

This guide includes the following topics:

A MGIB Benefit Overview
Step-by-Step Application Instructions
Related GI Bill Programs

Note: MGIB benefits differ greatly from the Post-9/11 GI Bill benefits. Click here to learn more about Post-9/11 GI Bill (Chapter 33).

Your GI Bill can be used to pay for many different programs including the following:

College, Business Technical or Vocational Courses
Distance Learning including Correspondence Courses
Certification Tests
Apprenticeship/Job Training (Veterans and Reserve Only)
Flight Training

The Montgomery GI Bill is an education benefit which can be worth over $69K. This amount is based on the monthly full-time student payment rate of $1,928 multiplied by the 36-month limit. This "payment rate" automatically increases on the first of October each year. You get the annual increase no matter when you became eligible or begin using it.

The term "36 months of benefits" refers to academic months - time actually enrolled at the full-time rate of pursuit. This means you will have up to 8 semesters (four years) of traditional academic education.

Note: Your actual benefits may be higher if you signed up for the Army, Navy or Marine Corps College Funds.

MGIB Eligibility

You qualify for the GI Bill if:

You contribute $100 a month for the first 12 months you are on active duty.
You have completed High School or have an equivalency certificate before you apply for benefits.
You have served at least 2 years on active duty.

Check out the GI Bill Eligibility Fact Sheet for more details.

Your MGIB Payment Rate - How much you get

Your GI Bill monthly payment rate is determined by two factors: your student status (full time, half time, or part time) and your duty status. In most cases you would be considered a full time student if you are taking 12 or more credits per semester.

If you are on active duty the GI Bill will only reimburse you for the actual tuition and expenses. But once you leave active duty service the GI Bill will pay the full payment rate no matter how much the tuition costs.

Click here to see the current GI Bill payment rates.

When To Use The GI Bill

You can begin using your benefit after 2 years of service, however before you choose to use the GI Bill you should know that it is usually not a good idea to use it while on active duty, because VA administers the Montgomery GI Bill differently for active duty and veterans. For instance a veteran is charged one month of benefits for each $1,928 - the current GI Bill "payment rate" - in education benefits used .

Example - If a veteran receives $7,712 and the current full-time payment rate is $1,928, divide $7,712 by $1,928. The veteran will be charged 4 months of the 36 months of benefits.

However if you are on active duty and go to school full-time for 4 months, you will still be charged 4 months of benefits even if your tuition is only $1,000.

Considering this, it only makes sense to use your GI Bill on active duty if your tuition costs are high or you use your "GI Bill Top-up" benefit.

The GI Bill has a time limit - expiration date. Once you have left the service you have ten years to use it. Any benefit remaining after the tenth anniversary is lost, and you will lose your $1,200 initial contribution.

Note: You should ALWAYS consult your Education Service Officer before using your GI Bill or taking any college classes. They are trained to give you the counseling that will help you avoid wasting your time and benefits.

How to Apply - Step-by-Step Application Instructions

Although the GI Bill application process can be time consuming it is relatively easy. In most cases the process will take you 4 steps, or less!

Step One

Find a school that has VA approved training or education programs. Be sure to ask the admissions counselor if the school meets the requirements to use the GI Bill.

Note: Most regionally and nationally accredited colleges and universities have VA approved programs.

Step Two

Apply online using the VA's Vets.gov website. You can attach copies of your DD214 or any other documentation you think is necessary when you submit your online application.

Tip: You should speak to a counselor in your Voluntary Education Services Office to determine if you are eligible to participate in the GI-Bill Buy-up program before you start using your GI Bill. It could be worth up to an extra $5,400 in benefits.

Step Three

Wait. It normally takes 4-8 weeks to hear back from the VA regarding your eligibility decision. You will eventually receive a declaration of eligibility and a letter explaining your GI Bill benefits. Keep in mind that it is not uncommon to get a letter from the VA requesting more information. You will have to answer the Department of Veteran's Affairs requests to be determined eligible and complete the process.

Step Four

Once you begin receiving your benefit checks (Direct Deposit) you will have to complete the VA's Web Automated Verification of Eligibility (WAVE) process each month to continue to receive your monthly benefits payments.

The WAVE is a simple process that requires you to either log-on to the VA WAVE website or call their toll-free number at 877-823-2378. It only takes a couple of minutes, but you will not get your monthly payment until you do.

Montgomery GI Bill Rates

Fri, 01 Sep 2017 20:28:34 +0000

The Montgomery GI Bill pays you a set benefit based on the number of classes you are taken, this is referred to as your "training time". If you are taking undergraduate classes your training time is determined as follows:

0-2 hours - 1/4 time
3-5 hours - less than 1/2 time
6-8 hours - 1/2 time
9-11 hours - 3/4 time
12 hours and above - full-time

For graduate training the VA will pay your benefits based on what the school reports your training time to be. So, if you are taking 3 graduate hours and the school tells the VA that you are considered a full-time student, that is what the VA will pay you.

The following basic monthly rates are effective October 1, 2017. For trainees on active duty, payment is limited to reimbursement of tuition and fees for the training taken.

The rates in the following two tables will apply to those completing an enlistment of three years or more.

Institutional Training Training Time Monthly rate Full time $1,928.00 ¾ time $1,446.00 ½ time $964.00 less than ½ time more than ¼ time $964.00 ** ¼ time or less $482.00 **

** Tuition and Fees ONLY. Payment cannot exceed the listed amount.

Apprenticeship and On-the-Job Training Training Period Monthly rate First six months of training $1,446.00 Second six months of training $1,060.40 Remainder of training $674.80

Correspondence and Flight - Entitlement charged at the rate of one month for each $1,928.00 paid.

Cooperative - $1,928.00

The rates in the following two tables will apply to those completing an enlistment of less than three years.

Institutional Training Training Time Monthly rate Full time $1,556.00 ¾ time $1,174.50 ½ time $783.00 less than ½ time more than ¼ time $783.00 ** ¼ time or less $391.50 **

** Tuition and Fees ONLY. Payment cannot exceed the listed amount.

Apprenticeship and On-the-Job Training Training Period Monthly rate First six months of training $1,174.50 Second six months of training $861.30 Remainder of training $548.10

Correspondence and Flight - Entitlement charged at the rate of one month for each $1,556.00 paid.

Cooperative - $1,556.00

Overview:

Each year in October, the Montgomery GI Bill (MGIB) payment rates increase to meet the growing cost of education. In October 2017, the Montgomery GI Bill full-time payment rate increased to $1,928 for the 2018 fiscal year. Eligible veterans and servicemembers could receive more than $69,000 in total benefits over 36 months.

View the latest monthly payment rates for the Montgomery GI Bill - Selective Reserve.

See the VA GI Bill website MGIB Rates for persons with remaining entitlement under Chapter 34 of Title 38, U.S.C. Chapter 30 Category II rates effective Oct. 1, 2017.

GI Bill Top 5 Things to Know

news@military-inc.com(Terry Howell) — Fri, 01 Sep 2017 20:20:50 +0000

Fact #1.
You have 10 - 15 years to use your GI Bill benefits.

Once you have separated from the service you have 10 years to use all of your benefits under the Montgomery GI Bill and 15 years to use your Post-9/11 GI Bill benefits. Although separating from service "starts the clock" on your time limit, you should know that if you rejoin active-duty service for more than 90 days before your time limit expires the clock resets. In other words, you get 10 - 15 years from your last discharge.

Example: Seaman Smith left active duty and joined the Navy Reserve. Three years later she returned to active duty with twelve years remaining on her GI Bill clock. At that point, the clock is reset at the 15-year mark when she leaves the active duty service again, at which point the 15 year clock will start ticking again. She now has a fresh 15 years left to use ALL of her benefits or she will lose her remaining balance, which then returns to Uncle Sam.

Fact #2.
The GI Bill is not Federal Financial Aid.

The GI Bill is not considered Financial Aid in the traditional sense. College and University financial aid departments do not consider the GI Bill financial aid because it is normally paid directly to you, not the school. Most schools will require you to sign a promissory note or apply for student loans to pay them upfront. You will then be required to pay these loans - hopefully with your GI Bill payments.

This also means that you are eligible for student loans, scholarships, and Pell Grants along with the GI Bill.

Note: Although un-taxable, GI Bill benefit payments reduce the amount of student financial aid you are eligible to receive.

Fact #3.
You can stop and start using the GI Bill as needed.

Unfortunately, many people believe that once you apply for benefits you have to remain enrolled in school to get the full benefit. Thankfully that's not true; you can use the GI Bill for any period of time. Take time off and re-apply to use it again at a later date (keeping in mind fact number one).

You can also use it as you progress towards your education goal. If you use your benefits wisely, your GI Bill benefits can help you finish your associates, work on your bachelor's, and later, complete your master's degree.

Fact #4.
A "month" of benefits doesn't always mean a month.

The GI Bill benefit provides 36 months of education benefits. The term "months" can often be confusing. The "36 months" of benefits does not mean you have only 36 months to use it, nor does it mean you must use it all in one 36 month period.

There are two ways the term month is used. One way is for active duty, and the other is used for veterans. The following should help you to better understand this aspect of the GI Bill.

For the Post-9/11 GI Bill:

If you go to classes full time for either 1 month or 30 days you use 1 month worth of benefits. For example, if your classes go from February 1 to March 15 you use 1.5 months of benefits (1 month for February - since it is a calendar month, and 1/2 month for March - since you were in classes for 15 days.)

For the Montgomery GI Bill:
If you are a veteran you are basically charged one month of entitlement for each month of full-time training you take.

If you are on active duty and you go to school full-time for four months, but your tuition is only $1,000, you will still be charged for four months of your 36 month entitlement. In this example a "month" actually does mean a month.

If you are using your GI Bill for training other than college or vocational training, there are different rules. See our Flight Training, Apprenticeship/On-the-Job Training, or National Testing Programs pages for specific information.

Fact #5.
The GI Bill pays according to the number of credits you take and how much active duty service you have.

The Post-9/11 GI Bill pays according to several factors, the main factors being number of months served on active duty and the number of credit pursued. If you are attending a public school, the Post-9/11 GI Bill can pay your full tuition directly to the school. You will receive a monthly housing allowance and up to $1000 a year for books and supplies. The housing allowance is paid at a percentage based on your active duty service, and your credit load. See our Post-9/11 Overview page for detailed information.

The Montgomery GI Bill payment rates are based on several factors, the biggest being your credit load. For example a full-time student using the Montgomery GI Bill will get up to $1,928, while a half-time student will only get half that amount. Learn more about how GI Bill Payment Rates work.

You can apply for the GI Bill online by going to the VA's vets.gov website and completing an online application. For more details, see the Post-9/11 GI Bill Application Process and get started using your benefits today!

Reserve Education Benefits User's Guide

Mon, 28 Aug 2017 16:33:45 +0000

In addition to tuition assistance you may be eligible for service specific education programs, scholarships, college funds, and other programs that can help you reach your education goals. To learn more about your specific education benefits check out the following related links:

Post-9/11 GI Bill
Montgomery GI Bill for Selected Reserve
Army Voluntary Education Programs
Navy Voluntary Education Programs
Air Force Voluntary Education Programs
Marine Corps Voluntary Education Programs
Coast Guard Voluntary Education Programs

The following table highlights the most common education benefits.

Program

What is it?

Who is Eligible?

Benefit

Tuition Assistance

Federal Tuition Assistance is a military benefit that pays the cost of tuition and some fees.

In addition Guardsman may qualify for State Tuition Assistance.

Virtually all military servicemembers are eligible. However each service branch determines its own criteria for eligibility.

Federal Tuition Assistance covers up to 100% Tuition and Fees Not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour
$4500 @ Fiscal Year

Montgomery G.I. Bill - for Selected Reserve

MGIB provides up to 36 months (4 regular school years) of education benefits to eligible veterans for:

College, Business
Technical or Vocational Courses
Correspondence Courses
Apprenticeship/Job Training
Flight Training

Reserve and Guard servicemembers who have agreed to a 6 yr. contract.

Up to $375 per month for full-time institutional education.

Federal Student Aid

The Federal Government offers students low interest loans and grants to help finance the cost of going to school.

Virtually all citizens are eligible. However the program is needs based, so certain income limits can apply.

The loans and grants are capped each fiscal year and depend on your personal economic circumstances..

Scholarships

Scholarships can come in the form of direct cash, tuition payments, vouchers and waivers.

Each scholarship has its own set of eligibility criteria.

Scholarships can range from as little as $50 dollar book vouchers to - full rides - paying for tuition room and board.

Guard Education Benefits User's Guide

Mon, 28 Aug 2017 16:31:56 +0000

As a member of the Army or Air National Guard you are entitled to different educational benefits than active duty members. To learn more about your specific education benefits, check out the following related links:

Post-9/11 GI Bill
Montgomery GI Bill for Selected Reserve & Guard
Army Voluntary Education Programs
Air Force Voluntary Education Programs

Program

What is it?

Who is Eligible?

Benefit

Tuition Assistance

Tuition Assistance is a military benefit that pays the cost of tuition and some fees.

Virtually all military servicemembers are eligible. However criteria for eligibility is determined by each branch.

Tuition Assistance covers up to 100% Tuition and Fees Not to exceed:

$250 @ Semester Credit Hour
$166 @ Quarter Credit Hour

$4500 @ Fiscal Year
*Navy has a 16 credit hour Annual Limit.

Post-9/11 GI Bill

The Post 9/11 GI Bill provides up to 36 months (4 regular school years) of education benefits to eligible servicemembers and veterans for:

College,
Business Technical or Vocational Courses
Correspondence Courses
Apprenticeship/Job Training
Flight Training
Licensing & Testing Programs

Servicemembers (Active Duty, Guard and Reserve) and Veterans who have served at least 90 days on active duty since 9/10/2001.

Survivors of military member who died on active duty after 9/10/2011 may be eligible for Fry Scholarship program which pays the same as Post-9/11 GI Bill

Paid Tuition and Fees, Living (Housing) Stipend and Book Stipend.

Benefits are tiered based on number of days on active duty.

Some limitations apply to those currently on active duty.

Benefits can be transferred to Spouse or Family member.

Montgomery GI Bill - Selected Reserves

Same as MGIB-AD at reduced rates.

Six-year obligation to serve in the Selected Reserve.
Officers must agree to serve six years in addition to their original obligation.
High school diploma/GED.
Maintain Selected Reserve Status.

Up to $375 per month for full-time institutional education.

GI Bill Rates for Reserve and National Guard

Mon, 28 Aug 2017 15:53:23 +0000

The monthly rates for the reserve GI Bill change each October, based on government calculations of higher education costs. You receive different amounts depending on what your "training time" is.

If you are taking undergraduate classes your training time is determined as follows:

0-2 hours - 1/4 time
3-5 hours - less than 1/2 time
6-8 hours - 1/2 time
9-11 hours - 3/4 time
12 hours and above - full-time

The monthly rates in the following tables are effective October 1, 2017.

Institutional Training Training Time Monthly rate Full time $375.00 3/4 time $281.00 1/2 time $187.00 Less than 1/2 time $93.75

Apprenticeship and On-the-Job Training Training Period Monthly rate First six months of training $281.25 Second six months of training $206.25 Remaining pursuit of training $131.25

Correspondence and Flight - Entitlement charged at the rate of one month for each $375.00 paid.

Cooperative - $375.00

Correspondence Payments - 55% of the approved charges

Flight Payments - 60% of the approved charges

Selected Reserve GI Bill Payment Rates

Mon, 28 Aug 2017 15:42:47 +0000

The monthly rates for the reserve GI Bill change each October, based on government calculations of higher education costs. You receive different amounts depending on what your "training time" is.

If you are taking undergraduate classes your training time is determined as follows:

0-2 hours - 1/4 time
3-5 hours - less than 1/2 time
6-8 hours - 1/2 time
9-11 hours - 3/4 time
12 hours and above - full-time

The monthly rates in the following tables are effective October 1, 2017.

Institutional Training Training Time Monthly rate Full time $375.00 3/4 time $281.00 1/2 time $187.00 Less than 1/2 time $93.75

Apprenticeship and On-the-Job Training Training Period Monthly rate First six months of training $281.25 Second six months of training $206.25 Remaining pursuit of training $131.25

Correspondence and Flight - Entitlement charged at the rate of one month for each $375.00 paid.

Cooperative - $375.00

Correspondence Payments - 55% of the approved charges

Flight Payments - 60% of the approved charges

For more information see the GI Bill website.

Developing Good Study Habits

news@military-inc.com(Kelli Kirwan) — Fri, 25 Aug 2017 14:36:39 +0000

Starting college or returning to school as an adult can be daunting, but when you're a servicemember or military spouse, it can seem overwhelming. The idea of taking statistics or chemistry may make you hesitate, but don't let doubts stand in your way. Opportunities for both military and civilian education are virtually everywhere. Developing solid study habits will help your personal success as a student. It will also give you ideas to help your children develop lifelong skills that they can begin refining long before they send out college applications.

Getting Started

Having a routine and a regular place to study is a good start in developing strong study skills. Some people study more effectively in the morning, others at night. Discover your best time and develop a schedule that allows for your peak study time.

Getting Organized

Whether you're in middle school or graduate school, you'll find that lack of organization is the main cause of low academic performance. With multiple teachers to answer to and different class schedules and assignments to track, unorganized students find themselves quickly falling behind in their grade point average (GPA).

Keep a separate notebook for each class. The type of notebook will depend on the teacher and the assignments. Color-code classes if necessary.
Keep good notes. Class notes, assignments, tape recordings (if the teacher allows it), and personal reminders help you keep up and not be surprised by that Friday afternoon quiz.
Pens, pencils, computer ink, and other supplies should be on hand and convenient to your study area.
Backpacks keep everything together and available. Make sure you routinely check the supplies in your backpack or organizer bag if you're often on the road or in different locations to study.

Balancing Family, Fun, Work, and School

If you are returning to school and have a family and/or career, setting priorities is the first step toward time management and that's the first step toward success. Yes, you might have to put favorite activities or social interests on hold for a while, but in the long run you'll find that any sacrifices were well worth the time invested in your education. (You can always go bar-hopping or tinker with cars later.)

Study guides help you find what works best for you or your child. Good study habits can make the difference between just passing and making the dean's list.

Guard and Reserve Education Benefits

Mon, 07 Aug 2017 20:23:47 +0000

Education benefits are available for Selected Reserve and National Guard members to help with education and training costs. Guard and Reserve members are eligible for several education benefits including the GI Bill, tuition assistance, state benefits and other programs. The following guide will help you make the most of these benefits.

The GI Bill for Reserve & Guard Members

Reservists & Guard members are eligible for the Montgomery GI Bill - Selected Reserve, if they:

Have a six-year obligation to serve in the Selected Reserve or Guard signed after June 30, 1985. Officers must have agreed to serve six years in addition to their original obligation.
Complete your initial active duty for training (IADT).
Meet the requirement to receive a high school diploma or equivalency certificate before completing IADT.
Remain in good standing while serving in an active Selected Reserve unit.

If they leave the reserves or guard, they are no longer eligible.

The Post-9/11 GI Bill

Reserve & Guard members may be eligible for the Post-9/11 GI Bill if they are mobilized for:

Title 10 active duty supporting named contingency operations
Title 32 service for the purpose of organizing, administering, recruiting, instructing, or training the National Guard
Title 32 service under section 502(f) for the purpose of responding to a national emergency
All voluntary active duty, with the exception of active duty for medical care and medical evaluation
When a governor requests federal assistance in responding to a major disaster or emergency
When the DoD mobilizes reservists in support of a combatant command

Their active-duty time will qualify them for the Post-9/11 GI Bill.

Tuition Assistance

Federal Tuition Assistance is a military benefit that pays the cost of tuition and some fees. Tuition assistance program guidelines, application procedures and the policies for determining eligibility vary between the services. Congress has given each service the ability to pay up to 100% for the tuition expenses of its members. Select the following link to get detailed information on Tuition Assistance for your branch or unit.

In addition to tuition assistance you may be eligible for service specific education programs, scholarships, college funds, and other programs that can help you reach your education goals.

State Benefits

Many states offer great benefits for members of their National Guard, and even for members of the reserves. Check out our States Benefits page for details.

Know Your Education Benefits

Mon, 17 Jul 2017 17:24:45 +0000

Education is one of the greatest benefits of serving in the Armed Forces. As a servicemember, veteran, or family member, you have special opportunities that can help provide money for school, support, and ways to save both time and money.

The DoD, Department of Veterans Affairs and many states offer programs to help pay for college. These programs include up to $4,500 a year for Military Tuition Assistance and the GI Bill which can help cover expenses like tuition, fees, books, and living expenses.

In addition to the programs that provide Money for School, there are federal and state funded programs that offer support that can help you prepare for success and save time and money. The Defense Activity for Non-Tradition Education Support (DANTES) offers servicemembers the opportunity to take college level equivalency exams that can help you avoid taking classes in subjects you already know - this can save you time and money while you pursue your education. DANTES can also you help identify the "distance learning" programs and classes that can help you earn your degree outside the classroom.

As a servicemember or veteran you have years of experience and training that can be counted toward college credit. The American Council on Education (ACE) provides the guidance and support to help you and the school you plan to attend figure out how much college credit you have earned.

Be sure to take advantage of the benefits that you have earned, learn more by navigating through the Military.com Education Channel.

Federal Student Aid

Thu, 13 Jul 2017 20:19:30 +0000

The federal government offers several Financial Student Aid Programs. These programs offer you extremely low interest loans and grants (free money). Unlike the GI Bill, these programs are paid by the Dept. of Education through the school; however, like the GI Bill, Federal Student Aid is designed to assist you in meeting the cost of tuition, books, fees, and living expenses while you go to school. That means that once the school has taken its share, the remaining loan or grant balance goes to you.

Financial Student Aid Eligibility

It doesn't matter whether you are active duty, reserve, veteran, retiree, on GI Bill, or not -- you should be taking advantage of these programs. There are numerous examples of even senior active duty members receiving federal loans and large grants. Remember: Grants are gifts that you don't repay!

Eligibility for most federal student aid is based on financial need and on several other factors. The most basic eligibility requirements to receive federal student aid are as follows:

You must be a U.S. citizen or an eligible noncitizen,
You must have a valid Social Security number,
You must register (if you haven't already) with the Selective Service, if you're a male between the ages of 18 and 25,
You must maintain satisfactory academic progress (defined as having at least a 2.0 GPA and being on track to graduate within 150% of the normal timeframe) in college or career school, and
You must show you're qualified to obtain a postsecondary education by:
- having a high school diploma or General Educational Development (GED) certificate;
- meeting other federally approved standards your state establishes; or
- completing a high school education in a home school setting approved under state law.

Readmission Requirements: Was your college enrollment interrupted when you were called to active duty? For information on returning to the college you previously attended, see the Dept. of Education Q & A website for guidance on approaching your school when you’re ready to reenroll.

Applying for FSA

Applying for federal student aid is quicker and easier than ever. You can complete the Free Application for Federal Student Aid (FAFSA) at https://fafsa.ed.gov.

Money Saving Tip: FAFSA is a Free Application for Federal Student Aid; however there are some websites that offer to complete the FAFSA for you, for upwards of $50. The FAFSA form only takes a relatively short time to complete. It is worth your time to complete it yourself.

Every accredited school that is recognized by the Education Department will be eligible for some form of FSA. The school's you select will send you information on how to get the funding you need to reach your education goals.

Available Loans and Grants

The following table gives you a quick breakdown on some of the types of loans and grants, applications, current interest rates and monetary limits:

Loan/Grant Program

Apply
Process
& Forms

Loan Fees

Interest Rates

Monetary Limits

Loan Source

Under Grad Post Grad Under Grad Post Grad

Direct Loans
Stafford
(Subsidized*)

FAFSA

1.069%

4.45%

N/A

$5,500 @ year

N/A

Federal Govt.

Direct Loans
Stafford
(Unsubsidized)

FAFSA

1.069%

4.45%

6.00%

$5,500 - $12,500 @ Year

$20,500 @ Year

Federal Govt.

Perkins Loan

FAFSA

Up to $5,500 @ Year

Up to $8,000 @ Year

Schools

Pell Grant

FAFSA

N/A

Up to $5,920 @ Year

N/A

Federal Govt.

Federal Student
Education Opportunity
Grant (FSEOG)

FAFSA

N/A

$100 - $4,000 @ Year

N/A

Federal Govt.

Direct PLUS
(for Graduate and Professional Degree Students)

FAFSA 4.276% 7.00% Up to Full Cost Minus Other Aid Federal Govt. Iraq & Afghanistan Service Grant FAFSA No N/A Up to $5,920 @ Year Federal Govt. TEACH Grants FAFSA No N/A Up to $4,000 @ Year Federal Govt.

To learn more about these and other Federal Student Aid programs visit the Department of Education website.

Interest rate cap for military members—If you qualify under the Service Members Civil Relief Act, the interest rate on loans you obtained before entering military service may be capped at 6% during your military service. You must contact your loan servicer to request this benefit.

Loans

FSA Loans are Financial Aid that is either funded or backed by the federal government, and paid directly through the school. Each type of loan has different fees (a percentage charged up front), interest rates and payment deferment plans.

Direct (Stafford) Loans

There are two different types of Direct Loans, Unsubsidized and Subsidized. These loans are identical in most ways, except how and when you begin to be charged interest.

*Subsidized - Direct Subsidized Loans are for students with financial need. Your school will review the results of your Free Application for Federal Student Aid (FAFSA) and determine the amount you can borrow. You are not charged interest while you’re in school at least half-time and during grace periods and deferment periods.

**Unsubsidized - You are not required to demonstrate financial need to receive a Direct Unsubsidized Loan. Like subsidized loans, your school will determine the amount you can borrow. Interest accrues (accumulates) on an unsubsidized loan from the time it’s first paid out. You can pay the interest while you are in school and during grace periods and deferment or forbearance periods, or you can allow it to accrue and be capitalized (that is, added to the principal amount of your loan). If you choose not to pay the interest as it accrues, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.

Perkins Loans

A Federal Perkins Loan is a low-interest (5%) loan for both undergraduate and graduate students with exceptional financial need. Federal Perkins Loans are made through a school's financial aid office. Your school is your lender, and the loan is made with government funds. All of the billing and payment arrangements are made directly through the school's business office.

Your school will either pay you directly (usually by check) or apply your loan to your school charges. You'll receive the loan in at least two payments during the academic year.

Grants

Grants are free money for school paid by the Federal Government through the school's business office. After your school bills are paid, the remaining balance goes to you.

Pell Grants

You must be an undergraduate student who does not have a bachelor's or a professional degree. If you are enrolled in a postbaccalaureate teaching certificate program, you also may receive a Pell grant. Depending on your financial need and tuition costs, you can receive up to $5,920 each school year.

FSEOG Grants

These grants are reserved for the most needy candidates, and are paid in addition to Pell grants. Like the Pell, FSEO Grants are also limited from $100 to $4,000 per school year.

Iraq and Afghanistan Service Grants

You may be eligible to receive the Iraq and Afghanistan Service Grant if

you are not eligible for a Federal Pell Grant on the basis of your Expected Family Contribution but
meet the remaining Federal Pell Grant eligibility requirements, and
your parent or guardian was a member of the U.S. armed forces and died as a result of military service performed in Iraq or Afghanistan after the events of 9/11, and
you were under 24 years old or enrolled in college at least part-time at the time of your parent's or guardian's death.

TEACH Grants

The TEACH Grant Program provides grants of up to $4,000 a year to students who are completing or plan to complete course work needed to begin a career in teaching.

As a condition for receiving a TEACH Grant, you must sign a TEACH Grant Agreement to Serve in which you agree to (among other requirements) teach

in a high-need field
at an elementary school, secondary school, or educational service agency that serves students from low-income families
for at least four complete academic years within eight years after completing (or ceasing enrollment in) the course of study for which you received the grant.

IMPORTANT: If you do not complete your service obligation, all TEACH Grant funds you received will be converted to a Direct Unsubsidized Loan. You must then repay this loan to the U.S. Department of Education, with interest charged from the date the TEACH Grant was disbursed.

For More Information

To learn more about Federal Student Aid please visit the Department of Education's Student Aid Website.

Pell Grants - More Free Money for School

Thu, 13 Jul 2017 20:13:46 +0000

Pell Grants are the foundation of federal student financial aid, which can be added with other federal and nonfederal fund sources. Pell Grants are generally awarded to undergraduate students who haven't earned a bachelor's or graduate degree. In some cases, however, you might receive a Pell Grant if you're enrolled in a post-baccalaureate teacher certification program.

Unlike loans, Federal Pell Grants don't have to be repaid unless you are awarded funds incorrectly or you withdrew from school. The amount you receive depends on your financial need, cost of attendance, and enrollment status. The maximum Pell Grant award for the 2017-18 award year (July 1, 2017, to June 30, 2018) is $5,920.

Pell Grants are awarded based on your financial need. The federal government uses your Free Application for Federal Student Aid (FAFSA) to determine your eligibility.

To find out more about Pell Grants and other federal grants, visit Student Aid on the Web - The official student gateway to federal financial aid, including eligibility, application, repayment, and more - plus self-service tools to help you prepare, choose, and apply for college.

Free SAT/ACT Prep Software

news@military-inc.com(eKnowledge) — Mon, 12 Jun 2017 19:59:36 +0000

eKnowledge Levels the Playing Field by Offering FREE SAT and ACT Test Prep Programs

The eKnowledge Donation Project with Military.com is entering its 13th year assisting Students and Families. The Project waives the complete $350 course price for the SAT or ACT Test Prep Programs. So the student pays only the cost of delivering the program: There is a cost for streaming, support, and materials of $14.99 for the Standard All Access Program and $49.99 for the Premier All Access Program.

Eligible recipients include Service Members from all branches of the military who are active duty, retired, Veterans, Guard, Reserve, DOD employees, and civilians performing military support. Also eligible are relatives and dependants of anyone who otherwise qualifies from the prior list.

The project has also received over 35,000 positive comments from students and families. The Director of the Donation Project, Lori Caputo recently explained why she helps with the donation effort. “I ran my own company for years and earned a lot of money, but working for the SAT/ACT Donation Project is so incredibly rewarding on a personal level. I think my favorite part is reading the comments from Moms and Dads stationed in war zones in the Middle East and around the world. They are so grateful for the help we can provide their children back home. I could do something else and make more money, but nothing I've done in my life has been so emotionally rewarding “ stated Ms. Caputo.

The Program works on all devices and computers: iOS, Android, Google, Apple and PC.. These semester length complete programs include more than 11 hours of video instruction and 3,000 files of supplemental prep material, thousands of interactive diagnostic tools, sample questions, and practice tests and 100+ hours of student participation time. Students select the training they need and study at their own pace. Additional educational materials are available to military families which are deeply discounted 50% – 90%, and may be reviewed by visiting: www.eknowledge.com/mil.

[There is a nominal charge of $14.99 per Standard Program and $49.99 for the Premier Program for the cost of streaming, support, and materials. eKnowledge does not profit from this venture.]

Thanks for your contribution! You have saved me a lot of money to prep for the SATs. I'm enlisted in the Air Force and I’m trying to enter the Physician Assistant commissioning program and I need to score a 1450 on my SAT. I hope this will get me to where I need to be! Thanks again! Zachary Martin, Military.com 5-13-2017

Thank you for this amazing service you provide to our military members. Transitioning out of the military is an extremely stressful ordeal and having this to prepare for college is an amazing relief. Very RespectfullyAD2(AW) Zachary Jones, Military.com, 5-16-2017

Thanks for your sponsorship of military kids! They move every two years, making school challenging. This can help them overcome that and get into a good college.
Niave Knell, Military.com, 2-27-2017

Order online at: www.eknowledge.com/Mil or call 951-256-4076 (refer to Military.com)

Post-9/11 GI Bill Tuition and Fee Rate

Mon, 05 Jun 2017 20:24:40 +0000

The Post-9/11 GI Bill can pay your full resident tuition at a public school. If you are attending a private or foreign school it will pay up to $22,805.34 per academic year. Private schools can choose to participate in the "Yellow-Ribbon" program which can waive a portion of the difference in the tuition you are charged and the amount covered by the Post-9/11 GI Bill. Be sure to ask your school if they are planning to participate in the program.

The amount of tuition & fees covered by the GI Bill is determined by your Post-9/11-GI Bill entitlement percentage which is based on the number of months you have served on active duty after September 10, 2001. For example, if you have served 24 months active duty after September 10, 2001 your GI Bill percentage is 80%. If you are attending a public school as an in-state resident and the tuition is $10,000 a semester you would have 80% of your tuition and fees or $8,000 paid by the Post-9/11 GI Bill. Active duty time can also include Title 10 mobilizations for reservists & guard members.

Public schools must charge all eligible veterans who have been out of the military for less than 3 years, their dependents who are using transferred benefits, and the dependents using transferred benefits of active-duty members the resident tuition rate.

Online Classes Not Always Cheaper

Mon, 05 Jun 2017 19:55:28 +0000

When looking at colleges most people think that an online program is always cheaper than a classroom setting. That may not always be the case.

A recent report of online learners showed 45% of them chose an online program because it was the most inexpensive option, but buyers should beware, there may be hidden costs to choosing an online program over a classroom one..

While choosing an online degree can indeed be a wise move for your budget, potential students should beware that the cost of a virtual program isn't always what it seems.

Here are several myths about the cost of online education.

1. Online learning is less expensive than classroom learning. You will be taking classes in the comfort of your home, therefore you won't need a dormitory, dining hall, gym, library, or many of the other amenities students physically attending college would use. Your degree should cost less since you won't be paying the additional fees for these things, right? That isn't always the case.

Many schools charge higher tuition for an online program than they do for the exact same classroom program, and even more will throw in additional "technology fees", or "online learning fees", saying it is a way to recoup the cost of the online learning software used to deliver the course. Students have reported being charged such things as parking fees, or student union fees even though they obviously do not use these services sitting at home in front of their computer.

The best advice anyone can follow is to research what you are actually paying for your online degree, and treat it like any other big-ticket purchase, ask questions and negotiate for the right price.

2. Online students can get scholarships just like those using taking classroom training. Very few schools offer scholarships specifically for distance learners, and some restrict scholarships to students who are physically attending their campus. You can usually check the school's website to see what scholarships are available to online learners, but don't take it for granted that the scholarship offering 50% off tuition that looks so good on the school's financial aid page comes without restrictions.

3. You won't have to pay for lectures or seminars. While it's true that in fully online programs, you will save on the commuting costs of getting to and from campus, or the costs of living on campus. That doesn't mean you won't have to leave your living room to receive a degree. Many online programs, particularly at the graduate school level, have seminars, or special lectures you must attend as a part of your degree program. The bad news? Expect to pay an additional fee to attend these events, it may not even be listed in the catalog.

4. Federal financial aid is not available. The government doesn't care whether students are going to classes online or on campus. Every accredited school that is recognized by the Education Department will be eligible for some form of federal student aid. There are a few exceptions to this rule like the newer direct assessment programs offered by some schools, so you should always doublecheck.

5. If you are eligible for the GI Bill, you will get the same amount of money taking online classes as classroom students do. This is one of the big surprises many veterans face after they enroll in an online-only program. The Post-9/11 GI Bill says that students enrolled in online-only classes will receive 1/2 the housing allowance that classroom learners do. Also, the GI Bill regulations allow you to receive your benefits only while enrolled in classes. Many online-only programs have shorter terms than classes offered on campus, therefore you may only receive benefits for the length of the online session.

One little-known fact about the GI Bill housing allowance for online-only learners, is that if you are enrolled in an online course that requires just one classroom session as a part of the curriculum you will be eligible for the full housing allowance for the entire term.

As you can see, doing your homework isn't just important while you are taking classes, it is sometimes more important to do your homework before you enroll in classes.

Save Money on College Textbooks

Mon, 05 Jun 2017 19:44:08 +0000

It is no secret that college tuition costs continue to rise. However, the cost of college textbooks has risen 1,041% since 1977. A recent survey shows the average college student can expect to pay between $500 - $700 per sememster for textbooks. In fact some schools now charge over $400 for one textbook! So what can military students do to save money on books while in college?

1. Try e-textbooks. Try using your electronic devices to access your course materials. eBooks are steadily increasing in popularity and offer a lower cost option when compared with the hard copy version. There are even some websites that offer free online versions of textbooks. For those who like to tab pages and highlight while reading or studying, don't fret, there are a variety of free apps available for that will allow you to mark your e-book like a hard copy textbook.

2. Rent them. Your campus bookstore may offer the lower cost option to rent your books and return them at the end of the semester. For example at one east coast college a new hardcover version of a calculus textbook costs $305 at the campus bookstore but a digital rental version is available at the same campus bookstore for $92.

There are also several websites that offer the option to rent textbooks as well. Exercise caution with this option to make sure you fully understand the rental agreement terms and conditions. Also, this may not be an option for textbooks that you may need to keep such as writing manuals that you may need for formatting papers or books from the core area of your major.

3. Book Reserves or Exchanges. There are a few colleges that are leading the way in textbook affordability by offering students the option of reserving textbooks through the school's library for free or a small access fee. Also, some on-base/post military education centers have colleges that manage book exchanges for their military students to either sell or exchange their textbooks.

4. Buy Used. The easiest way to get cheaper books is to purchase used textbooks from your campus or online bookstore. Major online retailers also offer good deals on used books. Pay attention to the title, author, edition, and ISBN number to ensure you are getting the correct version of the book for your class.

5. Use social media. Does your school have a Facebook group page for students or are you connected with other college students through you social media accounts? If so, spread the word on the books that you need. A friend may come to the rescue.

6. Sell your used textbooks. If you are done with your books, sell them to your school's bookstore or through an online retailer. You could use the money you made to reinvest into another low cost option for purchasing books for your next set of classes. If you are feeling generous, consider donating them to your on-base/post book exchange. If you don't have one where you are stationed, pave the way and work with your local education center to start one.

Veteran Upward Bound Program FAQ

Mon, 05 Jun 2017 19:24:35 +0000

Veterans Upward Bound is a free U.S. Department of Education program designed to help you refresh your academic skills and give you the confidence you need to successfully complete your choice of college degrees.

The VUB program services include:

Basic skills development to help veterans successfully complete a high school equivalency program and gain admission to college education programs.
Short-term remedial or refresher classes for high school graduates that have put off pursuing a college education.
Assistance with applications to the college or university of choice.
Assistance with applying for financial aid.
Personalized Counseling.
Academic advice and assistance.
Career Counseling.
Assistance in getting veterans services from other available resources.
Exposure to cultural events, academic programs, and other educational activities not usually available to disadvantaged people.

The VUB program can help you improve your skills in:

Mathematics
Foreign Language
Composition
Laboratory Science
Reading
Literature
Computer Basics
Any other subjects you may need for success in education beyond high school.
And Tutorial & Study Skills Assistance.

To be eligible for VUB you must:

Be a U.S. Military veteran with 181 or more days active duty service and discharged on/after January 31, 1955, under conditions other than dishonorable; and
Meet the criteria for Low-income according to guidelines published annually by the U.S. Department of Education, AND/OR a first-generation potential college graduate; and
Demonstrate academic need for Veterans Upward Bound according; and
Meet other local eligibility criteria as noted in the local VUB project's Approved Grant Proposal, such as county of residence, etc.

The next step:

Your next step should be to contact your local Veterans Upward Bound Program. Your local VUB office will help you get started on the process and answer any questions you may have.

Note: Currently, there are 49 VUB programs nationwide and in Puerto Rico ready to serve veterans.

Serving Smart: Financial Aid Basics

Mon, 05 Jun 2017 19:18:15 +0000

The harsh reality behind education is that it costs money and under normal circumstances, you can't attend college or a career/tech school without paying for it. There are many reasons people choose not to advance their education, but the most common excuse is, “I can't afford it. ”

To really hit home the realities of college tuition costs, here are some statistics. Who doesn't love stats???

According to the College Board, the average cost of tuition and fees is $33,480 at private colleges, $9,650 for state residents at public colleges, and $24,930 for out-of-state residents attending public universities.

That doesn't include books, supplies and a cupboard full of Top Ramen.

Thankfully, for those currently serving on active duty, National Guard or Selective Reserve there are options available to temper the rising costs of education. I'm not talking about the well-known GI Bill and Tuition Assistance programs. Although, we will take an in-depth look at those benefits later. I'm talking about Federal Student Aid, a.k.a FAFSA.

Many service members believe they're not eligible for Federal Financial aid. This is not true! For those serving on active duty, National Guard Reserve or Selective Reserve you may be eligible to receive federal aid. However, every branch of service has its own policies. So you need to check with your respective service to determine your eligibility.

For more details see our Federal Student Aid page.

To receive or to be considered for federal student aid, you need to fill out an application. The application is FREE. Go to FAFSA.GOV to fill out your application.

Things you will/may need to complete your application:

Social Security Number (Student or Parent)
Your driver's license number (not mandatory)
Your Alien Registration Number if you are not a citizen
Federal tax information including IRS Tax Return Transcripts, W-2 information (for your spouse if married, and for your parents if you are providing parent information)
Information on investments, savings, and business and farm assets for yourself (and for your parents if you are providing parent information)

Iraq and Afghanistan Service Grant

Mon, 05 Jun 2017 19:14:06 +0000

If your parent or guardian died as a result of military service in Iraq or Afghanistan, you may be eligible for an Iraq and Afghanistan Service Grant. The grant is similar to a Pell Grant, but is not limited by your family income like a Pell Grant is.

Who can get an Iraq and Afghanistan Service Grant?

You may be eligible to receive the Iraq and Afghanistan Service Grant if

you are not eligible for a Federal Pell Grant on the basis of your Expected Family Contribution but
meet the remaining Federal Pell Grant eligibility requirements, and
your parent or guardian was a member of the U.S. armed forces and died as a result of military service performed in Iraq or Afghanistan after the events of 9/11, and
you were under 24 years old or enrolled in college at least part-time at the time of your parent's or guardian's death.

How much money can I get?

The grant award is equal to the amount of a maximum Federal Pell Grant for the award year but cannot exceed your cost of attendance for that award year. For grants paid between July 1, 2017 and June 30, 2018 the maximum award is $5,920.00.

How do I get the Grant?

Completing and submitting a Free Application for Federal Student Aid (FAFSA) is necessary to be eligible for ALL forms of federal financial aid, including grants, work-study, and federal student loans.

Vocational Training With Your GI Bill

Wed, 10 May 2017 14:52:11 +0000

If you are in a technical field in the military you may think you can't use your GI Bill benefits once you leave the service, because the GI Bill is only for college. This isn't true at all - many technical fields pay good money, and you can use your military experience to write your ticket to a career in several technical fields. Sometimes you need a certification or school training for employers to hire you though.You can use your GI Bill to attend a technical or trade school to get this training.

You can use your GI Bill for training in areas such as:

HVAC repair
Truck driving
Emergency medical technician (EMT) training
Computer repair
Computer network technician
Audio/visual repair
Diesel mechanic
Electrician
Tool & die maker
Gunsmith/gun repair
High-pressure welder
Barber/beautician school
Aviation mechanic
and many more.

What Will The GI Bill Pay For Technical Training?

Your payment amount varies depending on the GI Bill program you are utilizing and the type of non-college-degree school you are attending, but are similar to your GI Bill payments for attending a college.

If you are attending a college-level course 12 credit hours are considered full-time, if you are attending a clock-hour course 18 hours of classroom instruction or 22 hours of shop practice are considered full-time. If you're training at a part time level, your GI Bill payment will also be lower, you should check with your school for more information.

The Post-9/11 GI Bill
If you are using the Post-9/11 GI Bill and attending a state school, such as a junior college, the VA will pay your full tuition directly to the school and pay you a Monthly Housing Allowance which is based on the BAH for the school's location. If you are attending a private school, the VA will pay you up to the full tuition OR the national maximum amount allowed by law, whichever is less.You will also be paid up to $83.00 per month for books and supplies.

All Other GI Bill Programs
VA pays a monthly rate that varies depending on which GI Bill program you are entitled to and how long your qualifying military service was. View current payment rates.

Coast Guard Tuition Assistance

Thu, 04 May 2017 16:44:32 +0000

Coast Guard Tuition Assistance assists eligible personnel in their professional development by providing funding for off-duty voluntary education courses to broaden their academic or Coast Guard technical background.

Current Payment Rates

The maximum amount paid for tuition assistance: 75% Tuition

Not to exceed:

$250 @ Semester Credit Hour, or
$166.67 @ Quarter Credit Hour, and
$4,000 @ Fiscal Year

Application Process

The management of TA is centralized at the USCG Institute through a consolidated tuition assistance processing system managed by the U.S. Naval Education and Training Professional Development and Technology Center (NETPDTC) in Pensacola, Florida.

The Coast Guard Institute approves the TA Application (CG-4147) , inputs data into the Navy's computer database, and issues the TA Authorization form (CGI-1560).

The applicant then takes the CGI-1560 to the academic institution during registration; the institution bills the Navy (NETPDTC) for payment of the government's share of tuition assistance.

The Fine Print

Tuition assistance is not authorized for use to meet unit specific operational training requirements.
Eligibility and benefits are standardized service wide for Coast Guard active duty and reserve on active duty for more than 180 days.
TA will be authorized "up-front" for traditional college coursework for courses less than 18 weeks in length. Courses may be resident or remote.
There is no limitation on the use of TA when a member is receiving "financial aide" such as a student loan, Sallie Mae, Stafford loan, etc.
All courses must be taken from a nationally or regionally accredited institution, resulting in college credit or accredited clock or contact hours.
TA is not authorized for reimbursement for books.
Developmental courses may be authorized if required by the institution prior to taking a freshman level course. Many colleges require a developmental course in Math, English and reading if the applicant has been out of school for several years. Applicants should note that these courses (usually numbered starting with zero "0" as the first digit) are not transferable.

TA does not cover the following expenses:

Application, entrance or enrollment fees
Record-maintenance fees
Student activity fees/ Student ID
Course registration fees
Textbooks, manuals
Non-consumable materials
Assembled items available commercially such as computers, televisions, robots
Fees for flight time, flying lessons, or noncredit aviation classes
Parking fee
Cost of tools, protective or other equipment that becomes the property of the student
Certification courses and tests, or licenses.

Counseling System Helps Troops in Transition

Tue, 25 Apr 2017 19:48:25 +0000

Unsure about what field you wish to pursue once you leave the military? The Defense Activity for Non-Traditional Education Services (DANTES) offers servicemembers free career counseling through the Kuder® Journey online counseling service. Kuder Journey is now available to Active Duty, Guard, Reserve personnel and Service members in transition, making it a valuable resource during the military-to-civilian transition process. As long as you activate your free account while active duty, the free counseling services will never expire.

Free Counseling Through DANTES

The counseling program involves completing a short assessment, it takes about 20 minutes, to see what job fields and college degrees best fit your interests. After completing an assessment, you will receive tailored career guidance and occupation search aids. These can then be used to narrow down a long list of occupational fields to those right for you.

The DANTES College and Career Planning Counseling Services system, powered by Kuder® is customized specifically for active service men and women. This Career and Transition System, is a comprehensive online resource to help you plan for the future; learn about your interests, skills and work values; and use those results to build a personal career plan, explore occupational information and plan for your future success.

Kuder Journey is a valuable resource to use during the military-to-civilian transition process as well as when looking for a post-military career field.

The system can be accessed anywhere there is an internet connection, 24/7/365. Login to www.dantes.kuder.com to begin using the comprehensive, evidence-based approach to lifelong educational planning and career development. For new users, the registration process is smooth and simple, allowing for immediate access to start achieving success.

Work-Study With The GI Bill

Tue, 25 Apr 2017 17:52:39 +0000

If you're a full-time or 3/4-time student in a college degree program or a vocational or professional program, you can "earn while you learn" with a VA work-study allowance.

Eligibility

The VA work-study allowance is available to anyone training under the following programs:

The Post-9/11 GI Bill
Montgomery GI Bill-Active Duty
Vocational Training and Rehabilitation for Veterans With Service Connected Disabilities
Dependents' Educational Assistance Program
Montgomery GI Bill--Selected Reserve
Fry Scholarship

VA will select students for the work-study program based on different factors including:

Disability
Ability to complete the work-study contract before the end of his or her eligibility to education benefits
Job availability within normal commuting distance
VA will give the highest priority to a veteran who has a service-connected disability or disabilities rated by VA at 30% or more.

The number of applicants selected will depend on the availability of VA-related work at your school or at VA facilities in your area.

How much will you earn?

Your hourly wage from the VA will be the Federal minimum wage or your State minimum wage, whichever is greater. If you're in a work-study job at a college or university, your school may pay you the difference between the amount VA pays and the amount the school normally pays other work-study students doing the same job as you.

You may elect to be paid in advance for 40% of the number of hours in your work-study agreement, or for 50 hours, whichever is less. After you've completed the hours covered by your first payment, VA will pay you each time you complete 50 hours of work, or every 2 weeks - whichever comes first.

You may work during or between periods of enrollment. You can arrange with VA to work any number of hours you want during your enrollment. But, the total number of hours you work can't be more than 25 times the number of weeks in your enrollment period.

What type of work will I do?

Services you perform under a VA work-study program must be related to VA work. Examples of acceptable work are:

Processing VA paperwork at schools or VA offices
Performing outreach services under the supervision of a VA employee
Performing services at VA medical facilities or the offices of the National Cemetery Administration

The work you actually do will depend on your interests and the type of work available. See the VA's worktsudy page for more details.

VRAP GI Bill Factsheet

news@military-inc.com(Terry Howell) — Tue, 25 Apr 2017 17:49:04 +0000

The Veterans Retraining Assistance Program (VRAP) GI Bill offered up to 12 months of Montgomery GI Bill benefits for older unemployed veterans between the ages of 35 and 60. This program was created as a part of the VOW to Hire Heroes Act of 2011 and ended in April of 2014.

Tutorial Assistance With The GI Bill

Tue, 25 Apr 2017 17:43:05 +0000

Tutorial assistance can help you pay for necessary tutoring and is a supplement to your GI Bill benefit. Tutorial assistance is available if you are receiving VA educational assistance at the half-time or greater rate and have a deficiency in a subject making tutoring necessary.

The monthly rate of tutorial assistance may not exceed the cost of tutoring or $100. The maximum amount payable is $1,200.

Your months of GI Bill entitlement is not charged for the first $600 under the Montgomery GI Bill (Active or Reserve), your entitlement is not charged at all under the Post-9/11 GI Bill, Fry Scholarship, or Dependent's Education Assistance Program.

Eligibility

All of the following criteria must be met for you to be eligible for tutorial assistance.

You must be in a post secondary program ½-time or more.
You must have a deficiency in a course that is part of your approved program.
You must be enrolled in the course during the quarter, semester, or term in which the tutoring is received for the course. Tutoring may not occur between quarters or semesters.

How to Apply

The student, tutor, and certifying official must complete an Application and Enrollment Certification for Individualized Tutorial Assistance (VA Form 22-1990t). The application may be submitted at the end of each month or combination of months. The application must be signed and dated on or after the date of the last tutoring session certified.

Information for Schools
When a certifying official signs an Application and Enrollment Certification for Individualized Tutorial Assistance, he or she certifies that:

Tutoring is essential to correct a deficiency - A letter from the course instructor should be put in the student's VA file stating that the student is deficient in the course and that individual tutoring is required to correct the deficiency.
The tutor meets the college's qualifications - Ideally, the school maintains a list of approved tutors. The list should indicate the subjects a tutor is qualified to tutor and the hourly charge. Students should be assigned a tutor from the approved list. A tutor may not be a close relative of the student.
The charges do not exceed the usual charges for tutoring.

Tuition Assistance 'Top-Up' Program

Tue, 25 Apr 2017 17:41:37 +0000

Top-Up is a program that allows GI Bill participants to use the GI Bill to supplement the tuition and fees not covered by tuition assistance. The amount of the benefit can be equal to the difference between the total cost of a college course and the amount of Tuition Assistance that is paid by the military for the course.

Top-up is not available for anyone using the Montgomery GI Bill-Selected Reserve program..

Top-Up Eligibility

To be eligible for the Top-Up benefit, you must be approved for federal Tuition Assistance by a military department and be eligible for GI Bill benefits. To be eligible you must be a GI Bill participant, still on active duty, and must have served at least two full years.

The amount of the benefit is limited to the amount that the person would receive for the same course if regular GI Bill benefits were being paid. In no case can the amount paid by the military combined with the amount paid by VA be more than the total cost of the course.

If you receive the Top-Up benefit, your regular GI Bill benefits will be reduced. The amount of entitlement charged for Top-Up payments as follows:

If you are using the Post-9/11 GI Bill your entitlement is charged based on the training time you are enrolled in. If you are going to classes at the 1/2 time training level you will be charged 1/2 month of Post-9/11 GI Bill benefits for each month you are enrolled and receiving GI Bill benefits - (it does not matter how much money you are reimbursed)
If you are using the Montgomery GI Bill your entitlement is charged based on the dollar amount of benefits VA pays you. You will be charged one month of entitlement for each payment you receive that is equal to the full time monthly rate for the GI Bill.

A copy of the Tuition Assistance Authorization form for the course that has been signed by an authorized military official will be required by the school and the VA. You must apply for GI Bill using the VA's VETS.GOV website before using the Top-up benefit.

Frequently Asked Top-up Questions

Q: Is this a good deal for me?

Using Top-up is a good deal if you plan to use TA to complete a degree program while on active duty, and don't plan to continue your education after service. Top-up can also be helpful for just taking a few courses with TA while on active duty. Then you can save most of your MGIB to use after service to complete your education program.

You need to consider carefully your own situations, and check with your education officer or counselor, before applying for Top-up. For example, if you plan to take expensive courses using Top-up, you need to consider whether you'll take additional training after you're discharged from active duty. If so, you need to understand the effect of using the Top-up. You can then calculate whether your remaining benefits will cover the additional training you might need.

Q: Is there a limit to the amount of Top-up I can use?

A: Yes, Top-up is limited to 36 months of payments. For example, if you are paid Top-up for a 3-month course, you use 3 of the 36 months of Top-up.

Q: Does this mean if I use 36 months of Top-up, I've used up all my GI Bill benefits?

A: Yes.

Q: Can the Top-up apply retroactively, to training already received?

A: Yes, the Top-up can apply retroactively, but you must be eligible for the GI Bill,and the VA can only go back one year from the date your claim was/is received.

Q: What should I do to apply for Top-up?

A: If you haven't previously filed a claim for GI Bill, you should do the following:

Request TA from your branch of service. See your education services officer or education counselor.
Complete an application for VA education benefits, using the VA's VETS.GOV website.
If you've previously filed a claim for MGIB and weren't denied benefits, simply submit your signed TA approval form to the VA Regional Processing Office that handles your claim.

Q: What about the signatures on the TA approval form?

A: The TA approval form must be signed by the approving DOD officials. Some branches of service require the commanding officer's signature; some require the education service officer's signature.

For more information about the Tuition Assistance program see our Tuition Assistance page.

The Yellow Ribbon Program Explained

Tue, 25 Apr 2017 17:20:52 +0000

The Yellow Ribbon Program is a provision of the Post-9/11 GI Bill that can help students attend expensive private schools at little or no cost to themselves. Normally, Post-9/11 GI Bill payments at private schools are limited to a national maximum amount by law, although that amount changes every year, it seldom covers the full tuition and fees that private schools charge for enrollment. Currently the maximum amount is $22,905.34.

Schools can enter into a voluntary agreement with the VA to waive a portion of, or all of their tuition costs that exceed the national maximum Post-9/11 GI Bill reimbursement. The VA will match the amount of the waiver and also contribute that to your tuition. For example, if you are attending a private university with a tuition of $50,000/year but the school has agreed to waive $10,000 tuition for Yellow Ribbon Participants. The VA will match that $10,000 making the total tuition waived $20,000. Your Post-9/11 GI Bill will pay $22,805.34 and the Yellow Ribbon Program will waive $20,000. You will be responsible for $7,194.66 tuition that you must pay with financial aid or out-of-pocket.

To qualify to receive the Yellow Ribbon benefits you must meet the following criteria:

Served an aggregate period of active duty after September 10, 2001, of at least 36 months;
Were honorably discharged from active duty for a service connected disability and they served 30 continuous days after September 10, 2001;
Are a dependent eligible for Transfer of Entitlement under the Post-9/11 GI Bill based on a veteran's service under the eligibility criteria listed above.

Schools can limit the amount of tuition they waive, the number of students they choose to waive tuition for, and the specific programs they choose to participate in the Yellow Ribbon Program.

Students may search for Yellow Ribbon Program participating schools on the VA's GI Bill website.

The GI Bill Kicker

Tue, 25 Apr 2017 17:07:52 +0000

The GI Bill Kicker -- also known as the Army, Navy, or Marine Corps College Funds -- is offered by the DoD through each service branch as part of an enlistment or reenlistment contract, or for other reasons they determine. The College Fund is an additional amount of money that increases an individual's basic monthly benefit and is included in his or her monthly GI Bill payment from the VA.

Each service branch (and not VA) determines who receives the College Fund and the amount received. It may be necessary to send VA a copy of your College Fund contract to ensure the correct amount is added to your monthly benefit.

These kickers can increase your monthly GI Bill payment rate by as much as $950 a month. This means that you can actually boost your regular GI Bill benefit value. The amount you receive is determined by a number of factors including when you enlisted, the length of your enlistment contract, the service you joined, the job you chose and where you chose to serve.

Note: The Air Force uses the term GI Bill Kicker to refer to the GI Bill Buy-up program, which is available to Montgomery GI Bill participants.

For the Post-9/11 GI Bill
College Funds payable under the Post-9/11 GI Bill are added to your monthly housing allowance. If you don't qualify for the housing allowance you will not get your college fund payment.

For the Montgomery GI Bill
The College Fund payment is added to your normal monthly payment.

Remember, you can't get your GI Bill Kicker money without receiving the GI Bill. The kicker isn't a separate benefit, but an add-on to your GI Bill benefit.

The GI Bill Application Process

Tue, 25 Apr 2017 17:06:52 +0000

4 Easy Steps to getting your benefits.

If you haven't used your GI Bill benefits yet, you may be put off by the application process. Fear not - if you follow the 4 easy steps, you'll find that the process is simple and painless.

The application process for receiving your monthly GI Bill benefits is much simpler than you may think. Depending on the school you are applying to, the process could take you 4 steps, or less!

Step One
Find and apply to a college or university that is approved for VA training or education. If you are not clear on this point, VA will inform you and the school or company about the requirements.

Note: Most regionally and nationally accredited colleges and universities have programs that are approved by the VA. You can use the VA's School Comparison Tool to find schools, employers, and testing organizations where you can use the GI Bill.

Step Two
Apply online using the VA's VETS.GOV website

If you are on Active Duty you may need to get approval from your Education Service Officer or chain-of-command before applying for the GI Bill. Note: It is seldom a good idea to use the GI Bill while active duty, and your ESO can help you find the best funding resources for your situation.
If you are a Veteran you may need to include a copy of your DD 214 Discharge Paperwork.
If you are a member of the Selective Reserve you may need to include a copy of DD Form 2384-1, Notice of Basic Eligibility which was given to you by your unit when you became eligible for the MGIB-SR.

Step Three
In most cases the school will send your application along with their paperwork to the VA regional office with jurisdiction over the state or area where you will train. This will expedite the process. However if you have not found a school yet, you can still apply for your VA Eligibility Determination by submitting your application online.

Within 4-8 (sometimes longer) weeks you should receive a declaration of eligibility and a letter explaining your VA GI Bill benefits. Keep in mind that it is not uncommon to get a letter from the VA requesting more information. You will have to answer VAs requests to be determined eligible and complete the process.

Step Four
Attend classes, start learning and enjoying your GI Bill benefits.

GI Bill Explaines

Tue, 25 Apr 2017 17:00:29 +0000

Here's What You Get With the GI Bill

You get 36 months of full-time GI Bill benefits and have 15 years from your last discharge to use them (if using the Post-9/11 GI Bill). If you are using the Montgomery GI Bill you have 10 years to use your benefits.

What is a "month of benefits?"

It is complicated, but here is the general idea: if you attend school at the full time rate for an entire month you use a month of benefits. But, say you attend classes only from the 15 - 30 of a month...then you use 1/2 month of benefits. The same thing goes if you are attending classes at less than full time. If you are attending classes as a 1/2 time student for 2 months the VA will only charge you 1 month of benefits.

How Much Money Will I Get?

Here's how it works if you are a Veteran and have an Honorable Discharge:

The Post-9/11 GI Bill will pay:

your full tuition to the school if you are attending a public school as a state resident,
an annual maximum amount (regulated by law, and updated every August 1) to the school, if you are attending a private school
a housing allowance equal to the military's Basic Allowance for Housing at the E-5 with dependents rate based on your school's ZIP code (if you are attending classes totally online you receive 1/2 the national average BAH)
up to $1,000 a year for books and supplies.

The Montgomery GI Bill will pay:

a monthly payment regulated by law that varies depending on how many classes you take, this rate is updated every October 1)

Here's how it works for Active Duty members:

You can begin using your benefit after 2 years of service, however before you choose to use the GI Bill you should know that it is usually not a good idea to use it while on active duty, because VA administers the GI Bill differently for active duty and veterans. You will not get as much money on active duty as you would as a Veteran.

If you are using the Post-9/11 GI Bill you will not receive the housing allowance, you receive a housing allowance (or government housing) as part of your military benefit. The VA cannot pay you another housing allowance.

If you are using the Montgomery GI Bill, you can only get reimbursed the actual cost of your classes or the legally determined maximum monthly rate - whichever is less. But your months of entitlement will be charged as if you were attending full-time no matter how much money you receive.

Considering this, it only makes sense to use your GI Bill on active duty if your tuition costs are very high or you use your “GI Bill Top-up” benefit.

Note: If you are on active duty you should ALWAYS consult your Education Service Officer or Navy College representative before using your GI Bill or taking any college classes. They are trained to give you the counseling that will help you avoid wasting your time and benefits.

Some Frequently Asked Questions

Is the GI Bill considered Financial Aid?

Not in the traditional sense. In most cases the school financial aid department does not consider the GI Bill financial aid because it is normally paid directly to you, not the school.

This also means that you are eligible for student loans, scholarships, and Pell Grants along with the GI Bill. But it is important to note that your GI Bill income will reduce the amount of student financial aid you are eligible to receive.

How long do I have to use my benefits?
Once you have separated from the service you normally have 15 years to use all of your GI Bill benefits if you are using the Post-9/11 GI Bill. If you are using the Montgomery GI Bill you have 10 years to use all of your benefits. Although separating from service "starts the clock" on your time limit, you should know that if you re-join active-duty service or you are activated from reserve status, for more than 90 days during your eligibility, the clock is reset.

Can I stop and start using the GI Bill at will?
YES! Unfortunately, many people believe that once you apply for benefits you have to remain enrolled in school to get the full benefit. Thankfully that's not true, you can use the GI Bill for any period of time, take time off and reapply to use it again at a later date.

Will I have to pay taxes on my GI Bill benefits?
NO! Your GI Bill is NOT taxable!

What are the current "payment rates"?
The Monthly Housing Allowance rates change every year, click here for more information.

The MGIB Payment rates increase every year; click here to see the current payment rates.

How do I get started?
You can apply for the GI Bill online using the VA's VETS.GOV website. For more details, see Learn to Use Your GI Bill and get started using your benefits today!

Bonus Tip! Fill out the VA Application ASAP. The current time for processing a GI Bill Application can be over 6 weeks. This means it could take over a month to start receiving your benefits. If you apply well before you plan to start school you can reduce the wait time by months.