Expert Answers to Your GI Bill Benefits Questions
Author: GI Bill Expert

March 11th, 2011
by GIBillExpert
How can I find out how much money I have left on my GI Bill? Thanks. — Dan K.

The GI Bill isn’t a pool of money from which a student draws. Instead, it is tracked as a number of months of benefits that you have left, and can include partial months. This means that, since the monthly GI Bill payment increases in most years, your GI Bill is actually worth more than the estimate that was quoted to you when you enlisted. Enlistment incentive increases, or “kickers,” do not increase, however.

To find out how much time you have left on your GI Bill, contact the Department of Veterans’ Affairs at their toll-free GI Bill number: 1-888-442-4551.

March 11th, 2011
by GIBillExpert
Under the Post 9/11 GI Bill, are you paid full housing allowance even if the semester ended in the middle of the month or began in the middle of the month? — Edward M.

In general, you are paid a Post 9/11 GI Bill housing allowance based on the actual number of days that the course runs. Any partial months are pro-rated, so you are paid for the portion of the month that the course took place. An exception to this is break pay (also known as interval pay); if there is a short break between terms, you can continue to be eligible for the housing allowance during that break, although you don’t receive the money until after the following term starts.

Break pay is on the way out, however. Per an amendment to the GI Bill that is taking effect this year, interval pay will no longer be paid to students using the GI Bill.

March 11th, 2011
by GIBillExpert
Hello , and thank you for your time. I am hearing mixed advice about my eligibility. I was separated after three years with a general, under honorable discharge. I am currently undergoing the process to try to upgrade it due to improper punishment and investigation. I was curious to know if it is possible to still receive the Post 9/11 GIB, if so is there any difference in the process I would have to go through? also, have you heard of anyone with a general under honorable receive this benefit? — Dennis

If you ended your only military term with a general discharge, then you are not eligible for the GI Bill. This is a specific stipulation under section of the US Code that governs the GI Bill. It doesn’t matter whether a general discharge is characterized as “under honorable conditions,” or otherwise, it is not an honorable discharge. If you had received a general discharge, but hat previously re-enlisted, which ends the prior term with an honorable discharge, then the prior term of service could qualify you for the benefits.

If you manage to get your discharge changed officially to an honorable discharge, then you will be eligible for the benefits of the GI Bill after that point. You will need to present the new, amended discharge form to the VA to prove your eligibility.

March 11th, 2011
by GIBillExpert
Hello, quick question. I am active duty as an E6 in the Army, my wife is ex-Navy with 5 years post 9/11. My question is, I currently receive Full BAH and she is supposed to get full BAH with dependents per her school ZIP code. Since we are married will she still be eligible for the full BAH? I have looked everywhere on the net and asked several local Ed Centers with no luck. This is important because we are expecting a newborn in 2 months and she would like to go to part time and the BAH could almost make up the difference for her going part time. — Steve

Yes, your wife should be eligible for the full housing allowance (or BAH) that goes along with her Post 9/11 GI Bill benefits. If she was still on active duty and using the bill, she wouldn’t get the housing stipend. Likewise, if she was using GI Bill benefits that you had transferred to her, and you were still on active duty, she wouldn’t get the housing allowance. However, she is a veteran, using her own GI Bill benefits. There is nothing to prevent her from collecting the housing allowance.

March 9th, 2011
by GIBillExpert
Is there a application that I can fill out that will have the GI Bill send a check for 3 grand every year? — Joel C.

If you are referring to the up to $3,000 advance on the GI Bill that the VA offered in the fall and winter of 2009, the answer is no. That advance was a one-time-only offer, brought on by the delay that the VA was experiencing in processing a very large number of GI Bill applications at that time. While it is possible that a similar offer may be made in the future if the right circumstances come up, it is not currently available, although many veterans are still paying off the advance at this time.

March 9th, 2011
by GIBillExpert
I’m a retired reservist. Do I have any GI Bill benefits for education? Thanks. — Holly T.

As an officer, unless you had prior enlisted service, you probably didn’t get an opportunity to sign up for the Montgomery GI Bill. However, if you have at least 90 days of active duty service that falls after September 11, 2001, you may be eligible for benefits under the new Post 9/11 GI Bill.

For Reservists, only deployed time (under Title 10 of the US Code) currently counts toward eligibility for this bill, although an amendment taking effect this year will allow Reservists to count time serving in the Active Guard Reserve.. Also, if you received your commission from an ROTC scholarship program or a military academy, none of the time in your initial service obligation can count toward eligibility, since this time was used to pay off another educational benefit.

If you do qualify, the amount of qualifying active duty time you have determines what percentage of benefits you can receive. 90 days of active duty gives you 40% tuition benefits, which increases up to a maximum of 100% if you have 36 months or more of qualifying active duty time.

March 9th, 2011
by GIBillExpert
My first day of college under the Post 9/11 GI Bill is tomorrow. I processed my claim in September when I separated from the Navy. I am wondering when I can expect the book allowance and housing allowance. Also I would like to know how I can set these allowances to direct deposit into my bank account. Thank you. — Christopher D.

You should receive your first Post 9/11 GI Bill monthly housing allowance payment within a month after starting school, possibly a bit longer. Also,  a portion of your yearly book stipend will be included in this first housing allowance for the term.

Setting up your VA benefits to be directly deposited in your bank account (via electronic funds transfer) is an easy process, and is handled through the VA’s direct deposit office. You can contact them by phone as an option from the VA’s main toll-free contact number: 1-800-827-1000.

March 9th, 2011
by GIBillExpert
I need help in how to convert my GI Bill over to the Post 9/11 GI Bill. — Jacob R.

The process of changing over from the Montgomery GI Bill to the new Post 9/11 GI Bill is very simple. You get the chance to make the change when you apply for benefits, presuming you are eligible for both bills. However, before you change to the new GI Bill, make sure that the change will be an improvement; there are times when it could be better to stick with the MGIB. And, once you change to the new GI Bill, you can never change back.

March 7th, 2011
by GIBillExpert
What am I eligible for? I received my commission from USNA (Annapolis) on 5/25/1983, and separated honorably on 1/3/1995. I was awarded two campaign ribbons (Southeast Asia service medal with 2 gold stars) under Operation Desert Storm. I was offered the VEAP program as an Ensign (O-1) and opted out. Am I screwed, or should I be eligible for other programs? — Peter C.

I certainly would use the term “screwed.” While it is true that you most likely are not eligible for any VA-administered educational benefits (such as the VEAP or any form of the GI Bill), that’s not the limit of your potential benefits from your service.

Check out your local university’s financial aid office and veterans’ affairs office. Many states have state-run programs that offer tuition waivers or other benefits to veterans, with fewer limits than VA benefits. In addition, there are also scholarships available, some specifically for veterans. A thorough enough hunt will turn up a lot of opportunities for college funding.

March 7th, 2011
by GIBillExpert
I work in a Congressional office in Marietta, Ga. One of our constituents is inquiring if one of his children, already enrolled in college can use his Montgomery Bill since he never utilized it. Please advise. He is currently on IRR (US Air Force) and completed his undergrad studies. — Terry D.

Sorry, but there’s no means to transfer GI Bill benefits to a dependent or anyone else, once a veteran has left the military. The only program that would allow a transfer of GI Bill benefits is part of the new Post 9/11 GI Bill, and it requires that the transfer be made while the servicemember is still in the military. This is because it usually requires the servicemember to agree to serve at least 4 years after the transfer is approved.