Archive for February, 2010

February 28th, 2010
by Jeffery Anderson
I joined the Army in 1993, and signed on to receive the Army College Fund.  The MGIB was never offered to me, and I never had any money withdrawn from my pay.  Is there anyway that I can still receive some kind of financial aid for college since I am a veteran?  I am also a Marine spouse.  I really want to go back to school, but I am not sure if I can still have help from the military or the old Army College Fund.  Any information is greatly appreciated.  Thank you, Michelle

Hi Michelle, You don’t mention when you left the military.  I don’t think you will be able to receive any Army College Fund benefits from the Montgomery GI Bill, since you never were enrolled in the MGIB, but if you served at least 90 days on active duty after 10 September 2001, then you are eligible for the Post 9/11 GI Bill, and the Army College Fund can provide you with benefits when used with that program.

If you left the military prior to 10 September 2001, then I’m afraid the Army College Fund will not provide you with any benefits, as it is designed to be used with a GI Bill program.  With you not being enrolled in the Montgomery GI Bill program, and leaving active duty prior to the Post 9/11 GI Bill being enacted, you would not qualify for either one.  However, you still have many possible sources of military education benefits due to you being a veteran, and also a military spouse.

As a veteran, you may be eligible for some state programs.  Check with your state’s Department of Veterans Affairs, and also check with the financial aid offices at some colleges.  Sometimes there are individual grants and scholarships that veterans can qualify for.

There are even more options as a military spouse.  There are sometimes state programs, which would show up on the state’s Department of Veterans Affairs’ site, and the Navy/Marine Corps Relief Society has some education benefits programs for Marine spouses.  You may also qualify for 2 years of education benefits through the MyCAA program.

Lastly, your husband may be eligible to transfer some or all of his Post 9/11 GI Bill benefits to you, which can give you the same benefits as any service member or veteran who is eligible for Post 9/11 GI Bill benefits, even the ability to use the Yellow Ribbon Program.

February 26th, 2010
by Jeffery Anderson
I got out of the Air Force in 1974 and received GI Bill benefits.  I went back on active duty after 9/11, and have been on active duty since.  I want to know if I am eligible for the New GI Bill?  Joseph

Hi Joseph, You should be eligible for 12 months of the New GI Bill benefits.  Service members and veterans who become eligible for more than one GI Bill program can receive benefits up to a total of 48 months from both programs.  So if you received 36 months of benefits from what I imagine was the Vietnam Era Veterans GI Bill, then you would be eligible for 12 months of benefits from the New GI Bill.

The only situation that I am aware of where a veteran can receive more than 48 months of benefits is if both spouses are in the military and are both eligible for the Post 9/11 GI Bill, and they are eligible for the transfer of benefits provision, then one spouse can transfer their Post 9/11 GI Bill benefits to the other, so one spouse will end up with 72 months of benefits.

The good news with your 12 months of Post 9/11 GI Bill benefits is that you can combine the benefits with the Yellow Ribbon Program, and receive quite a bit of assistance for 12 months.  And don’t forget that while you remain on active duty, you may be eligible for Tuition Assistance.

February 26th, 2010
by Jeffery Anderson
I joined the Navy on Oct. 19, 1973 and retired 1 Feb. 2004, what GI Bill options do I have?  Naomi

Hi Naomi, Congratulations on a great career!  Your career has spanned a few GI Bill programs.  Initially you would have been eligible for the Vietnam Era Veterans GI Bill.  Service members and veterans who still had Vietnam Era Veterans GI Bill benefits remaining in 1989, had those benefits switched over to the Montgomery GI Bill.  After the Vietnam Era Veterans GI Bill, the Veterans Educational Assistance Program (VEAP) came into being.  This GI Bill program required that service members enroll in it, and contribute part of their pay into the program.  For every dollar that you contributed, the government contributed 2 dollars.  If you don’t recall enrolling in VEAP, and contributing part of your pay, then you probably are not eligible for it.

After VEAP came the Montgomery GI Bill, which your Vietnam Era Veterans Benefits would have been converted to.  Then came the Post 9/11 GI Bill, which service members became eligible for if they served on active duty for at least 90 days after 10 September 2001, and they became eligible for the full benefits if they served 36 months on active duty after 10 September 2001.

The way I see it, you have 3 options that you can choose from.  You are eligible for the full 36 months of benefits under the Montgomery GI Bill, or veterans who were eligible for the Montgomery GI Bill, and who also became eligible for the Post 9/11 GI Bill, are allowed to convert their Montgomery GI Bill benefits to the Post 9/11 GI Bill.  So you could do that, and have 36 months of Post 9/11 GI Bill benefits.  You should do a comparison between the 2 GI Bills to see which one would provide you the most benefits for whatever education program you are considering.

Your third option, since you are eligible for both the Montgomery GI Bill and a portion of the Post 9/11 GI Bill, is to use your 36 months of Montgomery GI Bill benefits, and then you should still have 12 months of  80 percent of your Post 9/11 GI Bill benefits.  I say 80 percent because, even though you became eligible for the Post 9/11 GI Bill, you did not serve 36 months on active duty after 10 September 2001, you served 28 months, which entitled you to 80 percent of the Post 9/11.

All of this is based on you not having any VEAP benefits, and that you have not already used any GI Bill benefits.  So to summarize, you have 36 months of Montgomery GI Bill benefits which must be used within 10 years of your leaving active duty, or you can convert to the Post 9/11 GI Bill, and have 36 months of benefits which must be used within 15 years of leaving active duty.  And if you stay with the Montgomery GI Bill, after you have used up your 36 months of benefits, you should be eligible for an additional 12 months of benefits, which would be 80 percent of Post 9/11 GI Bill benefits.  You may also combine Post 9/11 GI Bill benefits with the benefits you may receive at Yellow Ribbon Program schools. 

Hopefully I didn’t make this too confusing, you can find additional information on the links I provided.  Good Luck, and again, congratulations on a great career.

February 26th, 2010
by GIBillExpert
I live in Germany as a full time online student; am I still eligible for living allowance? — Keith

I’m afraid that you are not eligible for any housing stipend under the new Post 9/11 GI Bill (or any other version, since the new bill is the first to provide a housing stipend).

Although there is a stipulation stating the default amount of housing allowance authorized to a student taking courses overseas (this was $1,333.00 in 2009), there is also a stipulation that students taking online or distance-learning courses (courses not held in a classroom) are not due any housing allowance. If you were taking even one course that counted toward your degree in a classroom setting, you would be eligible for the housing allowance for the duration of that course.

As it is, you’ll have to pay for your housing out of your own pocket.

February 26th, 2010
by Ron Kness
I am a very pre-9/11 veteran and old Montgomery GI Bill recipient. The last time I used my benefits was in the early ’90’s. I would like to transfer my benefits to my son who will be starting college in the fall. What do I need to do? And how much of my benefits are left and transferable? — Deanna

I’m sorry Deanna, but you don’t have anything under the MGIB to transfer to your son for a couple of reasons. You indicated the last time you used your MGIB benefits were in the early 90s.  MGIB benefits are only good for 10 years from date of discharge, so at best, your benefits expired over a decade ago. The second part is even if you had benefits left, there never was a transfer option under the MGIB.

To transfer benefits,  you would first have to had at least  90 days of service after September 10, 2001 to qualify for the Post 9/11 GI Bill. Then, you would had to switch from the MGIB to the Post 9/11 GI Bill and finally had to been on active duty on August 1, 2009 to make the transfer.

February 26th, 2010
by GIBillExpert
Ron, I really don’t know how this GI Bill works. I did 4 years in the United States Marine Corp and received a General under Honorable discharge. Was a 0311 infantryman, did two deployments to Iraq, and received a purple heart on December 13th, 2004 in Fallujah, Iraq. Since getting out of the Marines in February 2007 I enlisted in the Illinois National Guard on October 31, 2007. I just returned from year long deployment in Khost, Afghanistan. Received my DD-214 after demobilization with an Honorable Discharge. Do I still get all the GI benefits? — William V.

You are eligible for at least partial GI Bill benefits. Are you eligible for all of them? That’s a good question.

You have what is commonly called a “complicated situation.” The rules for the new Post 9/11 GI Bill are pretty clear as stated in Chapter 33, Title 38 of the US Code. However, a few things are a little cloudy.

From your description, you served at least 36 months on active duty after September 11, 2001. Your first term of duty ended in a general discharge, which means that, based on it, you are not qualified to collect on the GI Bill. However, you served another 12 month period on active duty, after which you received an honorable discharge. At least that 12 month period counts toward the new GI Bill, and that is enough to make you eligible for up to 60% tuition benefits.

However, since you are eligible for benefits, and since the wording of Chapter 33 does not say specifically that active duty time previous to this must end in an honorable discharge to count toward the GI Bill, you may be eligible for full GI Bill benefits.

The basic answer is that you will have to contact the Veterans Affairs department, either by their inquiry page or via their toll-free number (1-888-442-4551). You have a special situation that may require special attention.

February 26th, 2010
by Ron Kness
My husband passed away in April of 2007. At that time, he was determined to be 100% disabled and receiving benefits from the VA. My daughter dropped out of college during this time as she found it hard to attend while her father was suffering from cancer and dying. She is now 22 years old and would like to go back to school in September of 2010. Does she qualify for financial benefits through the VA? Thank you for your response. — Fran

This is a great question Fran, but first let me offer my condolences on the loss of your husband. Our Nation is indebted to him for his service.

Fran, your daughter should have up to 45 months of education benefits under the Survivors’ and Dependents’ Education Assistance Program (DEA). The only real catch is she has to use them before her 26th birthday; after that, she will lose what education entitlements she has left.

To apply, fill out VA Form 22-5490, Application for Survivors’ and Dependents’ Educational Assistance and send it to the VA Regional Office servicing your State.

February 25th, 2010
by GIBillExpert
Under Chapter 33, are students eligible for reimbursement for their campus parking fees? — Pamela S.

If your school charges your for campus parking fees through the same office as it charges you for tuition, it should be included in the “tuition and fees” for which the new Post 9/11 GI Bill (also known as Chapter 33 benefits) pays. This is important because the Chapter 33 GI Bill pays benefits directly to the school. If you have to pay at a separate “parking office,” you may have to foot the bill yourself.

Depending on your state, and on your specific schools, different fees can be relatively minor, or can add a large amount to the financial burden of education. A glance through the Maximum Tuition page on the GI Bill web-site can show you that some states with low maximum tuition per credit hour can still have a high maximum total cost per term. So, it’s a good thing that the GI Bill considers these fees (such as campus parking fees) to be an integral part of the cost of education.

February 25th, 2010
by GIBillExpert
My husband has just made E6. He has 18 years of active duty and is nearing his retirement date. We have chosen to stay for the 22 because we have older children. I want to go back to school and was going to use 11 months of his GI bill, how is this going to affect his retiring or will it since he is “needs of the Army” as of November. Thanks for any insight, I don’t want to owe money. — Rachelle D.

Because the Transfer of Educational Benefits (TEB) program of the new Post 9/11 GI Bill requires the service-member to agree to serve an additional period in the service, transferring benefits to you could affect when your husband can retire. How much more time he must agree to depends on when he becomes eligible for retirement.

If he was retirement eligible as of August 1, 2009, or if he has an approved retirement date before July 1, 2010, then no additional service is required.

If he becomes eligible between August 1, 2009 and August 1, 2010, then he must agree to 1 more year of service.

If he becomes eligible between August 1, 2010 and August 1, 2011, then he must agree to 2 more years.

If he becomes eligible between August 1, 2011 and August 1, 2012, then he must agree to 3 more years.

If he becomes eligible for retirement sometime after August 1, 2012, then he must agree to 4 more years.

February 25th, 2010
by Ron Kness
I was in the military for 6 years and I had the GI bill deducted out of my check for 4 years. I never went to college. Can I still utilize the money that was taken out of my check? Served 1986-2003. — George

George, I’m trying to understand why you had money taken out of your check for the GI Bill for four years.  The deduction for the MGIB is $100 per month for the first 12 months, equaling a total of $1,200.  Even if you signed up for the Buy-Up program, that is only another $600.

You can get back a proportional amount of what you paid in, but to do so, you have to switch to the Post 9/11 GI Bill and use up all of your months of entitlement. The extra amount on your last housing allowance check will be the proportional amount you get back from what you paid in for the MGIB.

If you don’t use your MGIB, or switch and use the Post 9/11 GI Bill, you wasted the money you paid in. You still have time to use either benefit. With a shelf-life of 10 years for the MGIB and 15 years for the New GI Bill, you have until 2013 or 2018 respectively to use your benefit.