Tag Archives: Post-9/11 GI Bill

The Post-9/11 GI Bill: What Can Spouses Actually Use?

I know, I know. Shouldn’t you save the Post-9/11 GI bill for your kids? Or your spouse? I can’t help you get over the guilt of using your service member’s Post-9/11 GI bill (that’s a private convo for you two to have), but I can tell you how the benefit works if you decided to use it.

There is a lot of confusion about what the benefit provides if a service member is using it, or a veteran, or a spouse, or a child. Remember, the rules vary depending on two factors: (1) who is receiving the benefit and (2) the service member’s active duty status when the benefit is being used (i.e. is your service member on active duty or a veteran?).

How Does it Work?

For a spouse to use a transferred benefit a service member must:

  • Have 6 years of service and agree to serve 4 more;
  • Complete a “Transfer of Education” benefit form; and
  • Be on active duty. (There are no exceptions to this rule.)

The benefits a spouse will receive when using a transferred benefit will depend on whether the spouse uses the benefit while a service member is on active duty or in veteran status.

Spouse beneftis table

A spouse can access the benefit while the service member is on active duty for up to 15 years after service member leaves service. Tuition and fees are covered at the in-state tuition rate at public schools, or a maximum cap at private schools. The private school maximum cap is adjusted annual and as of August 1, 2016 is $21,970.46. A spouse is also eligible to receive a $1,000 book stipend prorated based on enrollment. Keep in mind – if you do not attend full time, you won’t receive the entire $1,000 book stipend.

A new law to be aware of is the Choice Act. Under the Choice Act, public schools may only charge in-state tuition and fees (not the out-of-state rate) to a veteran spouse using the benefit within 3 years of service member leaving active duty. While the Choice Act does not apply to active duty spouses, a spouse of an active duty service member can receive in-state tuition where the service member resides or is permanently stationed, regardless of whether they are using the GI bill.

8-24-man-using-computer

The housing allowance is for a veteran spouse only. You can’t access this stipend when the service member is on active duty because the service member already receives a basic allowance for housing. The housing rate is paid at an E-5 with dependents rate for your school’s zip code. To receive the full rate, you must attend more than 50% of the time, and in-person. If you attend online the housing allowance is a flat rate of about $800 per month for the 2016 academic year.

The Yellow Ribbon Program is only open to veteran spouses and is used by select private schools. Schools that participate in the Yellow Ribbon Program agree to pay additional funds to help buy-down the cost of tuition at private schools. This means a student receiving Yellow Ribbon funds, would receive funding beyond the annual private school cap. There are several nuances with the Yellow Ribbon Program. Ask early and ask often – there may only be a limited number of Yellow Ribbon spots. Spots vary by school and degree program. For example, a school may only have 5 graduate student spots, but an unlimited number of undergrad Yellow Ribbon seats.

Are you a military spouse or veteran spouse using the Post-9/11 GI Bill? What other tips would you share with families?

katiePosted by Katie Savant, Government Relations Issue Strategist

I Used My Spouse’s Post-9/11 GI Bill…and I Don’t Feel Guilty

I have a confession to make. I used my husband’s Post-9/11 GI bill for myself instead of saving it for our kids.

Gasp!

Do I feel guilty? No, I don’t.

First of all, the Post-9/11 GI bill is my husband’s benefit – not mine. When I decided to go to grad school, he offered to transfer it to me. I said, “Don’t you want to use it?” He knew he would have additional educational opportunities through the military and at that point in time he wasn’t interested in further education post-military service.

“What about our kids,” I asked? “Should we save it for them?”

“You want to go to school now. Our kids are in diapers.”

military-spouse-post-911-gi-bill

So, I started to do some research on how I could financially support my family with an advanced degree. The Department of Labor reports “few things affect people’s earnings power more than their level of education. In general, more education means more dollars earned.” There are several reports with lots of data confirming that lifetime earnings increase as education levels increase. The Department of Labor also reports in 2014 the median weekly earnings for full-time workers were:

  • $488 with less than a high school diploma
  • $668 with a high school diploma and no college
  • $1,101 with a Bachelor’s degree
  • $1,386 with an Advanced degree

Wow – that is a $898 weekly difference!

What does all of this data mean for me? It means by using my husband’s Post-9/11 GI bill to obtain an advanced degree I have a better chance of supporting my family financially over the long term. It also means, with careful planning we’ll be able to set aside money to send our kids to college.

Another consideration for our family was to gauge whether the Post-9/11 GI bill would be available for our children. Recent proposals include reducing the Post-9/11 GI benefit for dependent children by removing the housing stipend for dependents receiving a transferred benefit. This proposal wasn’t approved by Congress last year; however no one can accurately predict what the future benefit will look like.

The idea that the Post-9/11 GI bill might not be available by the time my children are old enough to use it is scary. And knowing that I could provide more financial stability for my family sooner than my kids would be able to use the benefit made the choice easier for us to make.

So yes, I’m guilty as charged: I used my husband’s Post-9/11 GI bill benefit. And if it’s the right choice for your family, you should consider it, too.

If the Post-9/11 GI bill isn’t an option for your family, consider applying for one of NMFA’s many military spouse scholarships! There’s something for everyone, and even partner colleges and universities who have incentives on top of our scholarships! Apply by January 31, 2016!

If you’ve used your spouse’s Post-9/11 GI bill, how did you family decide on this? Tell us about it in the comments.

katiePosted by Katie Savant, Government Relations Issues Strategist

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