Expert Answers to Your GI Bill Benefits Questions Topic: New GI Bill - Yellow Ribbon Program

February 23rd, 2011
by Jeffery Anderson
Is the new $17,500 limit on tuition an annual thing or will it be for two semesters?  i.e. Can I take classes for in the spring and summer semesters under one $17,500 limit and then the next fall and spring semesters under another, etc, until I finish my degree?  I have been attending DeVry full time year round and, if this is an annual limit, I will need to start skipping a semester each year, delaying my graduation.  Clifton

Hi Clifton.  Everything I have read about the coming changes to the Post 9/11 GI Bill shows the $17,500 to be an annual limit.  Nothing refers to it as being a limit for two consecutive semesters.  I would imagine it was set up that way as the majority of students attend two semesters of college each year.

DeVry University is a participant in the Yellow Ribbon Program.  You might want to sit down with your VA Certifying Official or give them a call if you are out of state, and try to work out some sort of class schedule to where your classes can be spread out over the three semesters and each semester uses a part of the $17,500.  If you are accepted into the school’s Yellow Ribbon Program, the school and the VA should cover the amount each semester that isn’t covered by the $17,500.

I’m not sure it would work, but the VA Certifying Official might be able to come up with something.  If you have been attending school year round for a while, you must be nearing your degree and the end of your benefits, so whatever they arrive at shouldn’t have to be for many semesters.

February 22nd, 2011
by Jeffery Anderson
I have been going to school in Texas and now my husband is deploying and I am moving back to Massachusetts with my parents.  I am wondering if I am going to have enough money to finish my degree there because the semester terms are so expensive compared to Texas.  So how do I check to see how much money I’ll have after a semester?  Marie

Hi Marie, I assume you are using Post 9/11 GI Bill benefits transferred from your husband to provide financial assistance for your education.  While your husband is on active duty you can receive the same benefits of the Post 9/11 GI Bill that he would receive if he were the person using the benefits.

That means that the state maximum tuition allowances should not apply to you and you can attend any school in Massachusetts.  All of your tuition and fees should be covered by the Post 9/11 GI Bill until you have used your 36 months of benefits.  If your husband leaves active duty while you are using the benefits, then everything changes.  The most the program will provide at that point is the maximum tuition rate for the state which is $340.00 per credit hour in Massachusetts.  After 1 August 2011 that section of the Post 9/11 GI Bill changes and you can receive all of your tuition and fees for attending an approved public college or university at an in-state tuition rate.

You will not be eligible for the Post 9/11 GI Bill housing allowance while your husband is on active duty, but after 1 October 2011 you will be eligible for the book allowance whether he is on active duty or not.  If your husband leaves active duty, you can then apply for the housing allowance. 

Depending on when your husband is leaving active duty and whether you are going to be considered a resident of Massachusetts, you might want to pick a school participating in the Yellow Ribbon Program.  That way if your husband leaves active duty and you are stuck with paying non-resident tuition, you have the possibility of some additional financial assistance.

February 7th, 2011
by Jeffery Anderson
I’m getting ready to move and looked at the list for Max Credit Hour and Max Total Term for each state.  I’m currently in TN and see that the numbers are $270 and $13,426 and for PA they are $934 and $6,110.  Does that mean it’s better to stay in TN because I’ll get more money out of my GI Bill?  I’m confused on how it works!  Siani

Hi Siani, It can be confusing and the VA has just made it much easier to understand.  Starting on 1 August of this year you can ignore all of those state tuition and fee rates as they will no longer be used.  Effective that date the Post 9/11 GI Bill will cover all tuition and fees for eligible veterans to attend an approved public school as an in-state student for undergraduate and graduate programs for as long as their benefits last.

That means that if you are a resident of Tennessee, you can attend an approved public school and the Post 9/11 GI Bill should cover all of your tuition and fees as long as you have benefits.  If you move to Pennsylvania or any other state, you are more than likely going to have to establish residency before you can attend a school in the state at an in-state tuition rate.  Each state handles qualifying for for residency differently, but until you are paying in-state tuition rates you may have to cover the difference between what the Post 9/11 GI Bill provides and what the school is charging you.

One way to get some additional assistance would be to choose a Yellow Ribbon Program school.  If you are accepted into the school’s version of the program, they may contribute an amount toward the part of your tuition not covered by the Post 9/11 GI Bill and the VA will match their contribution.

February 2nd, 2011
by Ron Kness
My daughter has used her father’s Post 9/11 GI Bill benefits for 3 semesters and received a letter saying she had used all of her benefits. He gave her 18 months of benefits. Who do contact to see a listing of all benefits the VA has paid out? Also with the yellow ribbon program, when do we need to apply for that and how do we go about it? – Juli

If your daughter’s school is on four-month semesters, and she went to school for three semesters, she should have used up about 12 months of Post 9/11 GI Bill benefits. My question is did she also get break pay or go to a summer session? Both of these use up entitlements, so she could in-fact have used up her full amount.

Unfortunately many students do not understand that break or interval pay – the housing allowance pay they get between semesters – comes out of their Post 9/11 GI Bill benefits. Many view it as free money and it is anything but “free”.

Instead of getting tuition, fees paid and a book stipend, along with a housing allowance for the entitlement, all they get is the housing allowance. In my estimation, it is not a good use of benefits, but many choose to have the stability of pay instead of worrying about how far their benefits will go. If you feel there was an error, call the VA at 1-888-442-4551.

As far as the Yellow Ribbon Program, that is done through her school, provided it is a Yellow Ribbon School – not all are in the program. If her school has a Yellow Ribbon Agreement with the VA, then the school will pay a percentage of the difference between what the school charges and what the GI Bill pays; the VA pays an equal amount.

The Yellow Ribbon part should have been taken care of when she registered for school as a GI Bill student, if her school is a Yellow Ribbon school. If her school is not in the program, then it doesn’t apply.

February 2nd, 2011
by Jeffery Anderson
Hey!  I’m considering switching over to the Post 9/11 GI Bill (after looking through several pages of research) but am uncertain how much this bill will pay for my school.  I’m planning on attending CSU of Colorado, and have found that it is not a Yellow Ribbon Program school.  I know I also get E-5 BAH and a book allowance, but what amount will they pay for my schooling as a resident of Colorado, if it is not a Yellow Ribbon school?  Samantha

Hi Samantha, I’m envious–Colorado State University is a great school in a beautiful setting.  I was on the campus several times many years ago as a good friend of mine lived in Fort Collins.

The Post 9/11 GI Bill will pay up to 529.50 per credit hour for your tuition while attending school in Colorado and it will also provide funds for fees the school might charge such as lab and Internet costs.  On 1 August of this year that will change and they will cover 100 percent of your tuition and fees for approved undergraduate and graduate fees for in state tuition for as long as your Post 9/11 GI Bill benefits last.

When that change takes place the Yellow Ribbon Program will not be as important for a student attending a public school in a state where they are considered a resident.  The Yellow Ribbon Program will continue to be a good benefit for students using their Post 9/11 GI Bill benefits at an out-of-state or private college or university.

Keep in mind that the Post 9/11 GI Bill housing allowance is not a given, there are some requirements you have to meet to be eligible for it.  Good luck and have fun!

January 26th, 2011
by Jeffery Anderson
I have a question about eligibility; to my understanding I am still eligible.  I’ve been active duty Navy for about six years, and am on my SECOND enlistment.  I served four years honorably (my first term) and am now being separated under Other Than Honorable (for my second term).  Am I still eligible to receive benefits?  To my understanding benefits are based on your first term of service.  Please advise.  Thank you, Zack

Hi Zack, Your understanding of the situation is correct.  If you earned Montgomery GI Bill or Post 9/11 GI Bill benefits during your first enlistment and received an Honorable Discharge for that enlistment, then the type of discharge you receive for a subsequent enlistment should not affect your ability to use those benefits.

The important part is that you have a separation between the two enlistments and your DD-214 shows your Honorable Discharge.  As long as you have that you should be in good shape.  When you first apply for your benefits there’s a good chance they may be denied, but if you appeal the decision and have your documentation, you should receive your Montgomery GI Bill or Post 9/11 GI Bill benefits and you’ll even be eligible to use the Yellow Ribbon Program with your Post 9/11 GI Bill benefits.

January 10th, 2011
by Ron Kness
My name is Julian. I am currently in the Army and will be getting out in May 2012. I plan on enrolling in either the University of Texas or the University of Hawaii and pursue a commission through AFROTC. I wanted to know if I could use my GI Bill benefits along with an AFROTC scholarship. I also wanted to know if I can use my GI Bill rate as a Texas resident at schools outside of Texas; like Hawaii. — Julian

Yes you can use your GI Bill along with an Air Force ROTC scholarship Julian. Just be aware that depending on how much scholarship money your get, you may incur a service obligation once you are commissioned. As far as the second part of your question, I’m not sure I fully understand it, but here goes.

If you are referring to the Hazelwood Act, then no, you can’t use that outside of Texas and the school you choose can’t be a private school either, even if it is in Texas. You referenced the University of Texas, so that would qualify as an authorized school under the Hazelwood Act, but you could not use the Act to go to school in Hawaii.

If you are talking about the Post 9/11 GI Bill in-state maximum, the amount of tuition the VA will pay is based on the zip code of your school, so no you couldn’t use the in-state maximums for Texas ($1,549/$12,130.00 – tuition per credit/fees respectively) to go to school in Hawaii ($316/$1,325.70). Also, be aware that if you go to school in Hawaii, you may have to pay out-state tuition which would most likely make your tuition per credit higher than what the VA will pay. If you are at the 100% Post 9/11 GI Bill level, then you might want to look for a Yellow Ribbon school in Hawaii to help offset the additional tuition cost.

January 7th, 2011
by Jeffery Anderson
I’m considering the University of South Florida after my next deployment.  I’m a USMC Reservist and I want to get a Bachelor’s in Education.  I’m trying to figure out if USF is a Yellow Ribbon School, if the Montgomery GI Bill  or the Post 9/11 GI Bill is a better choice for me, and according to the website, if I live with my parents, tuition would be $15,300.  How much of that would be covered?  Justine

Hi Justine, The University of South Florida is a Yellow Ribbon Program school, but according to the VA’s information they only accept 12 undergraduates into their program each year. That’s not very good odds so I don’t know that I would count on that assistance, but if you do receive the benefits, the school will contribute up to $5,837 to any amount of your tuition that your Post 9/11 GI Bill benefits don’t cover and the VA will match that amount.

As the Post 9/11 GI Bill stands now it will cover up to $295 per credit hour for attending school in Florida.  That $15,300 figure the school has listed is based on 24 credit hours per year so the Post 9/11 GI Bill would cover $7,080 of that amount.  A part of that $15,300 is made up of school fees such as lab and Internet fees and the Post 9/11 GI Bill should also cover those.

If you take enough classes to be a full time student, which appears to be 12 credit hours per semester, then you would also be eligible for a $1,542 per month housing allowance during the months you have classes throughout the entire month.  Partial months would pay less of an allowance, but you can receive the allowance even if you live with your parents.

I don’t know when you anticipate your deployment to be and when you will be attending school, but after 1 August 2011 the Post 9/11 GI Bill changes and the new benefit program will cover all of the tuition and fees for attending an approved state supported school, so if you are a resident of Florida, you shouldn’t even need the Yellow Ribbon Program.

You should do your own GI Bill comparison and make your own decision and don’t forget that if you’re eligible for both GI Bills, you can get 48 months of benefits by using all 36 months of your Montgomery GI Bill first.  If it was me though, I believe I would use the Post 9/11 GI Bill for your situation.

December 31st, 2010
by Jeffery Anderson
I live in Cincinnati, Oh and I’m looking at two different schools.  The first is the University of Cincinnati, the other is Northern Kentucky University.  If I go to NKU, will my benefits be the same as Ohio’s or will they fall under Kentucky’s standards.  Or would they transfer at all?  Any answers would be great!  Thank you, Brendon

Hi Brendon, You can go to school in any state you desire as long as the school and program are approved for GI Bill use.  As things stand now you would receive a maximum per credit hour of $508.25 to attend school in Ohio using the Post 9/11 GI Bill and $456.30 in Kentucky.  I say as it stands now because new legislation just passed that may cause the rates to change in August 2011.

If you go to school in Kentucky while you are considered a resident of Ohio, you are probably going to have to pay out of state tuition rates and there’s a good change you may have to cover some of your tuition costs out of of pocket.  The amount the Post 9/11 GI Bill provides in each state rarely covers the entire amount schools charge for out of state tuition.

The good news is that both schools are Yellow Ribbon Program participating schools.  If you get accepted into their program, the school and the VA will cover a portion of your excess tuition that isn’t covered by the GI Bill.  Unfortunately the school in Kentucky only accepts 6 undergraduates into the program each year so the odds may not be the greatest, but you still have a chance.  The University of Cincinnati accepts 25 undergraduates into their Yellow Ribbon Program each year.

December 30th, 2010
by Jeffery Anderson
I earned a bachelor’s degree before enlisting.  Once I get out I’d like to pursue another bachelor’s in an unrelated field.  The first degree was in English and I’d like to pursue something in plant biology.  Would the Post 9/11 GI Bill cover it in that situation?  I currently work in a science based career field within the military.  Brett

Hi Brett, You can use your Post 9/11 GI Bill benefits to earn a second bachelor’s degree as long as it’s at a school approved by the VA for GI Bill use.  Most colleges and universities capable of awarding a bachelor’s degree are approved, but check to make sure the school you choose is.

You may be able to use some of the courses you took for your English degree to count towards the second degree and you may also be able to get credits for some of your military training so the process might not take another full four years of school.

If you haven’t decided on a school yet, I suggest you pick a school that is participating in the Yellow Ribbon Program.  That way if the Post 9/11 GI Bill doesn’t cover all of your tuition, you may be able to get some additional financial assistance from the school and the VA.