Tag Archives: scholarship

Military Student Loan Forgiveness: What to do with your student loans?

Soldier-StudentMilitary families may rely on a variety of financial aid packages to help afford a higher education; including scholarships, grants, and loans. If your service member has federal loans, he or she will want explore the Public Service Loan Forgiveness (PSLF) program.

The PSLF is a program for federal student loan borrowers who work in a range of public service jobs, including military service. The program forgives remaining debt after 10 years of eligible employment and qualifying loan payments.  In most cases eligibility is based on whether you work for an eligible employer. Your job is eligible if you:

• are employed by any nonprofit, tax-exempt 501(c)(3)organization
• are employed by the federal government, a state government, local government, or tribal government (this includes the military and public schools and colleges); or
• serve in a full-time AmeriCorps or Peace Corps position.

PSLF applies to federal Stafford, Grad Plus, or consolidation loans as long as they are in the Direct Loan Program.  Borrowers with Federal Family Education Loan Program (FFELP) loans must switch to the Direct Loan program to participate in this benefit.

In order to qualify for loan forgiveness the borrower must make 10 years (or 120 monthly payments) after October 1, 2007. Qualifying payments are made through the Direct Loan program. To count, the payments must be made while working full-time in an eligible job. “Full-time” means 30 hours per week or the standard for full-time used by the employer, whichever is greater. If your service member meets all of the eligibility criteria the earliest the remaining debt could be forgiven under the program is October 2017.

With advanced planning, the PSLF is another tool your family can use to help make higher education affordable. Since federal student loan interest rates reset each July , now is a good time to explore the PSLF program to see if it is right for you and your family.

KatieBy Katie Savant, Government Relations Information Manager

Joanne Holbrook Patton Military Spouse Scholarship recipients for 2013

shutterstock_1722702The checks are out the door and the classes are being scheduled! The military spouse scholarships recipients from 2013 are busy planning, prepping and furthering their education. In 2013, the National Military Family Association spouse scholarship program awarded $274,500 to 254 military spouses. Our scholarship recipients are all military spouses representing the Army, Navy, Air Force, Marine Corps and Coast Guard. Some are spouses of wounded veterans, some are surviving spouses, and others are spouses of active duty service members, guardsmen, or reservists.

The Association is honored to recognize and award military spouses and assist in giving them an opportunity to reach their educational goals.  As one spouse puts it, “Military families face unique challenges regarding education, I personally moved from one city to another and began to piece together our lives in a new area, as well as put together educational plans for myself.”

Along with the general scholarships awarded to spouses seeking higher education, this year marks the first year we offered scholarships to students seeking a mental health career. To qualify for our Mental Health Career scholarship the applicants must have completed, at a minimum, a Master’s Degree in Psychology, Psychiatry, Counseling or Social Work, and need to be seeking clinical supervision hours as a requirement for their clinical licensure.

More than 70 applicants have applied for the Mental Health Career scholarship, which has remained open as we build our support efforts within the Mental Health field. Many of the spouses seeking a career in Mental Health have expressed intentions of paying it forward to the military community by using their education and experiences to counsel military families. “Without a doubt, this scholarship will play a key role in helping me reach my career goal of serving wounded warriors and their families as a licensed clinical psychologist.”

See what other spouses are saying about the benefit of these scholarships in their lives.

The National Military Family Association recognizes and thanks all the sponsors who help make the Joanne Holbrook Patton Military Spouse scholarships possible. Thank you to Fisher House Foundation, BNY Mellon, May & Stanley Smith Charitable Trust, Lockheed Martin, Fluor, Health Net Federal Services, US Family Health Plan, ASMBA Star, General Dynamics, Phillip & Gayle Staton, George Russell, and many more for the generous donations!

If you are interested in applying for or receiving notice of spouse scholarships and other education opportunities, visit our website and sign up for eNewsletters and eNotices!

We are proud to support all of our military spouse scholarship recipients and their educational and career aspirations. The recipients for 2013 are:

Abby Sims
Aislinn Deely
Alena Barosa
Alexann Masiko-Meyer
Alison Portis
Alita Baggett
Allison Hagan
Allison Burnett
Allison Murphy
Alyssa Stiles
Amanda Todd
Amanda Adams
Amanda Deal
Amanda Oakley
Amanda Walker (Jones)
Amber McCart
Ameye Carpenter
Amy Creason
Amy Dituri
Amy Fuhs
Amy Muir
Ana Karina Chavez
Angela Farr
Angelia Dittmeier
Angelina Plater
Angelina Suarez-Popplewell
Anna Eklund
April Abreu
Ashley Wallis
Ashley Fielder
Ashley Haynes
Ashley Louie
Astrid Santini
Barbara Blackford
Barbara Toscano
Beatriz Giraldo
Bianca Strzalkowski
Blanca Alejandra Svensson
Brenda Valdez
Brittany Curtis
Brittany Taylor
Brittany Thompson
Bukola Olatunji
Callista Tkacs
Carmelita Taylor
Carmen Johnson
Carmen Waga
Carolina Johnsen
Carolyn Blumenfeld
Carrie Scheib
Cassandra Flowers
Cassandra Turner
Catherine McGuire
Catherine Schopp
Cathy St. Julien
Celena Janton
Celia Nilson
Celine Texier-Rose
Charlotte Stewart
Chelsea Watkins
Cheryl Moore
Christin Hall
Christina Webb
Christina Wheeler
Christine Bessler
Corinne Blake
Courtney Harrison
Courtney Johnson
Cristina Vera
Csilla Lyerly
Cynthia McQuarrie
Dana Thompson
Danielle Allison
Danielle Hochrine
Dawn Hall
Deborah Ellis
Debra Milstein
Denise Gil-Perez
Diane Porter
Donnice Roberts
Elizabeth Bull
Elizabeth Jennings
Elizabeth Spatz
Elizabeth Walters
Emily Flaming
Erica Bryant
Erin Lamb
Erin Stock
Faith Hess
Frances Karnuth
Frances Sharp
Gerivonni Darden
Gina Xavier
Gordon Azeb
Guadalupe Gonzalez
Hanna Sauer
Heather Pahman
Heather Pell
Jacquelyn Barnes
Jamie Womble
Janee Zimmerman
Jayme McArthur
Jayme Bering
Jennefer Walden
Jennifer Kyte
Jennifer Mashburn
Jessica Olivarez
Jessica Byrd
Jessica Dunn
Jessica Fikes
Jessica Fountain-Bowlus
Jessica Yost
Jill Hendrickson
Johanna Gomez
Joyce Lindsey
Joyce Vang
Judy Stine
Julie DeLeon
Kaitlin Orcutt
Kamilia Seay
Karen Caverly Molineaux
Katherina Kirby
Katherine Anders
Katherine Cole
Katherine Phillips
Kathleen Whittle
Kathryn Curry
Kathryn McDevitt
Katie Hill
Katrina Zilberman
Kelley Jeans
Kelly Fennell
Kelly Gress
Kelvin Telesford
Khali Koetting
Kiley Spicocchi
Kimberley Marcopul
Kimberley Wildman
Kimberly Dong
Kourtney Johnson
Krista Nielson
Kristi Stauffer
Kristin Grimes
Kristin Tubbs
Laura Watson
Laurel Wood
Lauren Martin
Lauren Sims
Leah Coppo
Leah Eischen
Leah Roberts
Leofe Douglas
Lianna Bodine
Linda Maldonato
Lisa Lamar
Loubna Bouna
Luella Cook
Makeeka Harris
Mallory Galbreath
Margaret Trimble
Mariah Armenta
Marie Brown
Marion Hudson
Marleen Cook
MarQuita Banks
Mary Beth Ratzlaff
Mary Malone
Maureen Skinner
Megan Zimmerman
Megan Mayo
Meghan Fields
Megumi Fuda
Melanie Stone
Melinda Gabriel
Melissa Spurling
Melissa Wilkerson
Michael Crowley
Michael Moberley
Michelle Jackson
Michelle Krupa
Mina Petrosino
Nancy Barnes
Nanyail Smoke
Naomi Lorence
Natalie Purdy
Neah Velasquez
Nicholle McLochlin
Nicole Brackins
Nicole Parker
Nicole Berliner
Nikita Casanova
Nikki Brown
Patricia Burnette
Patricia Carreno
Patricia McCurdy
Phyllis Adams-Pickett
Rachel Jacobs
Rachel Selph
Rachelle Vaughn
Rebecca Letterman
Rebecca Royer
Rebecca Scott
Rebecca Tay
Reina Zuniga
Rhonda Lucas
Rhonda Maynard
Robert West
Robin Soifer
Rochelle Sosa
Sabita Walkup
Sally Windisch
Sandy Cullins
Sara Seemayer
Sarah Dryer
Sarah Goodman
Sarah Jackson
Sarah Milo
Sarah Staggs
Sefra Perkins
Shalee Torrence
Shari Williams
Shawna Dennison
Shelby Rose
Shenae Whitehead
Sherika Hite-Feast
Sherry Matis
Shirley Chitjian
Sofie Castacio
Sonja Harris
Stacey Helman
Staci Chiomento
Stephanie Dannan
Stephanie Foehl
Stephanie Lee
Stephanie Olson
Susan Hampton
Susan Hernandez
Tabitha Thompson
Talia Clate
Tamika Montgomery
Tammy Wilson
Tana Kornachuk
Taryn Allen
Tatyana Peterson
Tiffany Herndon
Tilma Cruz
Tina Anderson
Tina Johnson
Tonya Murray
Tracy LaBreck
Veronica Jones-Felton
Veronica Joseph
Wendy Linehan
Whitney Harrison

allieBy Allie Jones, Military Spouse Scholarship Program Coordinator

Update: Military Spouse Employment and Education Advocacy

military spouse education and employmentAs an Association, one of our top priorities is to ensure that military spouses are able to pursue their education and continue professional career development that works with the military lifestyle.

We highlighted these priorities in our testimony that was submitted for the record on April 17 to the Senate Armed Services Committee Subcommittee on Military Personnel, and asked Congress to take steps to support military spouses in their pursuit of personal and professional growth.

Here’s what we covered in our testimony regarding military spouse employment and education initiatives:

  • Collaborative work between the three Department of Defense Spouse Education and Career Opportunity (SECO) program components to include the Military Spouse Career Center at Military OneSource, Military Spouse Employment Partnership (MSEP), and My Career Advancement Accounts (MyCAA) Program
  • The reinstatement of the MyCAA program to include all military spouses regardless of the service member’s rank
  • The extension of the MyCAA program to spouses of the Coast Guard, the Commissioned Corps of NOAA, and the U.S. Public Health Service
  • Expansion of the Work Opportunity Tax Credit for employers who hire military spouses
  • A tax credit to military spouses to offset the cost of obtaining a new license or credential when the service member is relocated to a new duty station
  • Reciprocity of professional licenses or alternative license arrangements across state lines

For the latest information on our advocacy efforts and support for military spouse employment and education initiatives, please visit our website’s policy issues section or subscribe to Military Family Topics to have updates delivered to your inbox.

Follow us on Facebook and Twitter to stay up-to-date with the latest news concerning military families and tell us what you’re seeing in your community.

ccPosted by Christine Gallagher, Government Relations Deputy Director at the National Military Family Association

Don’t break the bank: Financial resources for college-bound military kids

Don't break the bank: financial resources for college-bound military kidsSpring is the time of year high school seniors anticipate college acceptance letters and parents discuss how to pay the hefty tuition bill. According to the National Center for Education Statistics, for the 2010 – 2011 academic year the annual price for undergraduate tuition, room, and board were estimated as follows:

    • $13,000 at public colleges
  • $36,300 at private not-for-profit colleges
  • $23,5000 at private for-profit colleges

Yikes! That is quite a bit of money for one year of post-secondary education. Thankfully, military kids are eligible for unique funding opportunities:

In-State Tuition: Dependent children of service members on active duty for a period of more than 30 days are eligible to receive in-state tuition at public colleges and universities in the state where the service member is permanently stationed. This does not mean a military kid is eligible to receive in-state tuition rates in all 50 states, but rather the state where the family is stationed. Once the child is enrolled and paying in-state tuition rates, the child remains eligible for the in-state rate even if the service member receives orders and relocates out of state.

Post-9/11 Transferability: Active duty service members with 10 years of service may be eligible to transfer their Post-9/11 GI bill to a child.

Scholarships for Military Kids: Several organizations have scholarship opportunities for military kids. Below is a selection of opportunities. College-bound military kids are encouraged to review specific eligibility requirements and deadlines, especially as some deadlines are quickly approaching:

College-bound military kids are also eligible for the same federal financial aid opportunities as other students including:

Free Application for Federal Student Aid (FAFSA): The FAFSA is the required application from the Department of Education to determine eligibility for any form of federal financial aid.

Federal Grants:

  • Federal Pell Grant: A Federal Pell Grant, unlike a loan, does not have to be repaid. Typically, Pell Grants are awarded only to undergraduate students who have not earned a bachelor’s or a professional degree.
  • Federal Supplemental Educational Opportunity Grant (FSEOG) Program: The FSEOG Program provides need-based grants to help low-income undergraduate students finance the costs of postsecondary education. Priority is given to those who are also Federal Pell Grant recipients.

Federal Loans:

  • Direct Stafford Loans (Subsidized and Unsubsidized): Direct Stafford Loans are low-interest loans for eligible students to help cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school.
  • Direct PLUS Loans: Parents of dependent students may apply for a Direct PLUS Loan to help pay their child’s education expenses as long as certain eligibility requirements are met. Graduate and professional students may apply for PLUS Loans for their own expenses.
  • Federal Perkins Loans: A Federal Perkins Loan is a low-interest loan for both undergraduate and graduate students with exceptional financial need. This is a school-based loan program.

Federal Work-Study (FWS): The FWS allows students to earn money by working at a subsidized job, usually on the college campus.

Be sure to explore these resources to reduce your out-of-pocket costs. What other resources would you share with college-bound military kids?

katiePosted by Katie Savant, Government Relations Information Manager at the National Military Family Association

Tips for using the Post-9/11 GI Bill: get ready for some paperwork!

Tips for using the Post-9/11 GI BillOne of the key factors to pursing your educational goals is to decide how you will pay for your education. Military spouses have several opportunities to help offset the cost of school, including private scholarship programs, federal loans and grants, MyCAA, and transferability of the Post-9/11 GI bill.

When I decided to pursue a graduate degree, my active duty service member decided to transfer a portion of his Post-9/11 GI bill to me. As of August 1, 2009, service members who have served in the Armed Forces for six years and agree to serve an additional four years, are eligible to transfer their benefit to a spouse. My spouse was eligible to receive 100% of this benefit. In my situation, the benefit pays full tuition and fees directly to the public in-state school I attend. I also receive a yearly book stipend of up to $1,000, prorated based on the number of credits I take. I am not eligible to receive a monthly housing allowance because I’m using the benefit while my husband is on active duty and he currently receives a housing allowance for our family. (Private school tuition and fees are capped at a national maximum rate. For the 2012 – 2013 academic year the private school cap is $18,077.50.) But these are my circumstances – how can you make the Post-9/11 GI Bill work for you?

Transferring the Post-9/11 GI bill takes time. Be prepared to work with your spouse to complete quite a bit of paperwork. While your spouse is on active duty, he or she may apply to transfer their benefit to a spouse, child, or children. Your spouse must submit a Transfer Educational Benefit request for Service approval. This may take several weeks to process. Once approved, the family member using the transferred benefit must apply to the Department of Veterans Affairs (VA)  by using form 22-1990e found on the Veterans On-Line Application (VONAPP) website. The VONAPP website is a bit clunky to use. After you create a username and password, you’ll need several important pieces of information to complete this form including: your educational history, name, address, degree program for the school you’ve selected, and bank account information (for direct deposit for the book stipend and/or living allowance).

I waited (patiently) for about five weeks before I received a “certificate of eligibility.” At the same time my husband received a letter notifying him that the VA had received the Transfer of Entitlement (TOE) application and that by applying for TOE he revoked his eligibility for other GI bill programs, such as the Montgomery GI Bill.

I then submitted a copy of my certificate of eligibility to my school’s VA-certifying official. Next, I registered for classes and then the VA-certifying official certified my enrollment with the VA. Certifying enrollment was about a four week process. Your school will only receive funds after your enrollment (which really means registration) has been certified. You may have fees added to your account if you do not pay your tuition by the tuition due date. My school was familiar with the VA’s process and waived all extra fees on my account.

I did drop one class during the add-drop period. Even though I was within my school’s add-drop period, the VA had already sent my tuition to the school based on the classes I was registered to take. About six weeks after my semester started I received a letter from the VA stating they had overpaid my benefits and I was now responsible for the debt. I sent this letter to my school’s VA-certifying official and my school will send the funds back to the VA. If there is an over-payment  you are responsible to repay this debt to the VA.

My tips for effective use of the Post-9/11 GI bill are:

  • Apply for the benefit early – it takes several weeks to process.
  • Bookmark the www.gibill.va.gov website. Contact information and the FAQ section are especially helpful.
  • Get to know your school’s VA-certifying official (your school may have a designated VA office).

The ability to transfer the Post-9/11 GI bill has afforded me the opportunity to attend school. I plan to be a good steward of this benefit and am looking forward (in the distant future) to completing my Master’s degree!

Are you using the Post-9/11 GI bill? What advice would you give to military families on how best to use this benefit?


Keep in mind that rules are not the same when transferring a benefit to a spouse vs. to a child. Please see www.gibill.va.gov for official information and details specific to your situation.

katiePosted by Katie Savant, Government Relations Information Manager at the National Military Family Association and USC Sol Price MPA candidate

Military spouse education: the costs, the options, and whether it’s right for you

military spouse educationThe same story is told throughout military communities and within military support systems—military spouses are hard pressed to find employment. PCS moves are frequent and jobs come and go. Luckily there is a way to help combat the unemployment woes. Education.

Not only will a higher education increase the chances of employment for military spouses, it will contribute to your family’s financial well-being. A study from CollegeBoard.org reports, “the typical bachelor’s degree recipient can expect to earn about 66% more during a 40-year working life than the typical high school graduate earns over the same period. Higher earnings are one of the important outcomes of higher education. Average earnings for adults increase with years of education and particularly with degree completion.” Higher education degrees are now more accessible to military spouses thanks to distance learning programs.

The education community has shifted in favor of military spouses. Many private and public universities offer reputable degree programs online, an attractive option for mobile military spouses. Distance learning can also be more flexible when it comes to your military family calendar. Find additional information on pursuing a degree in higher education in our website section on spouse education.

One necessary price I know of that comes with education is the cost of tuition. To alleviate the inevitable costs of higher education, military spouses have options. Visit your installation’s Family Center, Education Center, and the financial aid office at the school you wish to attend for more information on financial assistance. Various military associations, including the National Military Family Association and some military spouse clubs, offer scholarships for military spouses. If eligible, you can use a portion of your service member’s GI Bill or apply for government funding through MyCAA.

The National Military Family Association is made up of many military spouses like me, so we know firsthand the importance of military spouse education and the difficulties that come with achieving higher education due to moves and expenses. If you’ve been following us on our website or social media, you know our Joanne Holbrook Patton Military Spouse Scholarships are awarded to spouses of all Uniformed Services members and applications are live online now. The application deadline is TOMORROW, January 31st – there is still time to apply here!

I truly believe an education outweighs the cost that comes with more schooling. As a military spouse, my education has broadened my career options and allowed me pursue opportunities that would not be available if I did not have a degree.

Are you starting or continuing your education? What challenges have you faced in doing so and what resources have worked for you?

alliePosted by Allie Jones, Military Spouse Scholarship Program Manager at the National Military Family Association

Looking back at 2012

National Military Family Association: A look back at 2012Where does a year go? It’s amazing to see the months fly by, filled with memorable occasions like weddings, road trips, big moves, and deployments. 2012 was a year of change, new ideas, and growth for the military community, and for us as well! Here’s how we spent our year.

Sometimes it seems like if something can go wrong, it will. Or when it rains, it pours. Whichever idiom you want to apply, 2012 brought a few unexpected lemons for us to make into lemonade. From the close call of a government shutdown in April, threats to commissary benefits, and the fiscal cliff negotiations in December, we were proud to be  the place military families turned to understand the impact of these actions and find out what could be done in response. It’s nice to know that no matter what comes our way, our community always makes it to the other side of the issue infinitely stronger.

With almost everyone and their grandma (literally) having a smart phone or social media account, these days it seems like we are more connected than ever. Military families are no different, and this year we created a few new ways to provide resources and support via the most-used platforms. Although we are all part of the same community, each military family faces its own challenges going through the many different stages and phases of life. Whether a family is preparing to move, expecting a baby, or anticipating a deployment, our new app, MyMilitaryLife, brings our subject matter expertise and important resources when and where it’s most needed. We’ve had nearly 4,000 downloads from the iTunes and GooglePlay stores, and with six more life paths being added in 2013, we look forward to growing our presence on this new mobile platform.

We are committed to providing spouses and families with the resources and programs needed to make military life a bit easier. We awarded $448,000 in scholarship funds to military spouses beginning or continuing their education through our Joanne Holbrook Patton Military Spouse Scholarship Program. Our Operation Purple® program had another great season, sending 1,581 military kids to camp across the country. With so many service members returning from deployment, creating a network of support during this period of change and adjustment was more important than ever. We held six Family Retreats and four Healing Adventures for families with a wounded or returning service member who needed to ease into the reintegration process after a deployment.

It went by fast, but 2012 was a productive and fulfilling year. We’re excited to see where 2013 takes us—stay tuned for a companion post on the Association’s goals for the year.

Your turn: what would you like to see us focus on this year?

maranathaPosted by Maranatha Bivens, Communications Editor at the National Military Family Association

Military spouse scholarship: apply now!

Have you finally found the time (or energy) to head back to school, but aren’t sure how you will pay for it? Apply for a scholarship! Our Joanne Patton Holbrook Spouse Scholarship program application period is open now through January 31st. Spouses of all Uniformed Service members, including active duty, National Guard and Reserve, retirees, wounded, and survivors, are eligible to apply. Scholarships can be used for many types of programs, be it finishing your GED, or completing those last few requirements for your master’s degree. Don’t let money be the thing that holds you back from pursuing your dream career!

Apply for a military spouse scholarship at www.militaryfamily.orgAstin Laferriere, the spouse of an Army National Guardsman stationed in North Carolina, was a recipient of our scholarship in 2012. Astin is a graduate of Tennessee State University and she recently obtained her Physical Therapy license. Way to go Astin!

Licensing scholarships were a focus of our program in 2012 because we recognize the challenges that military spouses face in obtaining and maintaining licensing or certification. Read about how we’re speaking out on this topic in Congress here.

In last year’s scholarship program, we were able to assist more than 60 spouses like Astin. Applications for the 2013 Joanne Holbrook Patton Military Spouse Scholarship program are available now!

Military spouses: what obstacles have you run in to while pursuing your education? What are your educational or employment goals?

maranathaPosted by Maranatha Bivens, Communications Editor at the
National Military Family Association