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Service Members No Longer Have Forever to Transfer the GI Bill

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It has been just under a year since the “Forever GI Bill” was signed into law, but many service members are discovering forever isn’t quite as long as they thought.

Beginning in 2019, a service member’s privilege to transfer their GI Bill to their dependents will be restricted and those who serve longer are being impacted by the restrictions.

One of the best benefits of serving our great country is the ability to receive the GI Bill which covers most, if not all, of a college degree. Another advantage is the ability to transfer this benefit to dependent children or spouses.

I have spent the summer visiting college campuses with my rising high school senior. Two things I have discovered: making life decisions at 17 years old is a lot of pressure and the cost of a four-year degree can run upwards to $40,000 and don’t get me started on residency requirements.

As a military family do we ever live someplace long enough to be considered a resident?

Service Members No Longer Have Forever to Transfer the GI Bill

Do you think this restriction will discourage service members from making longer commitments to their country in the future?

The GI Bill Restriction May Impact Your Plans for Paying for College

What does the new GI Bill restriction mean for your military family? To transfer the GI Bill to dependents, a service member must serve at least six years and commit to an additional four years.

The change restricts service members who have served 16 years or more from transferring their GI Bill. Luckily for my family, my husband transferred his GI Bill to our children about two weeks before the new restrictions were announced.

But it makes me wonder why the change? These restrictions apply only to career military which begs the question, will this restriction discourage service members from making longer commitments to their country in the future?

Related: Why You Should Consider Attending a Yellow Ribbon School

Some may argue the reason for the change is to encourage senior service members to use their GI Bill benefits to further their education and ensure a smooth transition into the civilian workforce. I would agree, having an education makes the transition easier, however, where does this leave service members who have earned a degree prior to or while in service? They don’t need the GI Bill and can’t transfer it to a dependent, which means the benefit would not be utilized.

The Tuition Assistance Program May Be a Better Option for Service Members

Service members can transfer their GI Bill to dependents and still earn a degree while on active duty. The Tuition Assistance Program is available to active duty members in all branches, which covers education expenses, leaving the GI Bill available to their dependents.

Tuition Assistance covers expenses for vocational/technical schools, undergrad degrees, graduate programs, independent study and distance learning programs. In order to use the TA Program, an enlisted service member must have enough time remaining in service to complete the course for which he or she has applied. After the completion of a course, an officer using TA must fulfill a service obligation that runs parallel with – not in addition to – any existing service obligation.

The TA Program will cover 100% of college expenses not to exceed $250 per semester credit hour or $166 per quarter credit hour. There is a $4,500 cap per government fiscal year which is October to September.

To access the TA program visit your local installation education center, go online to a virtual education center or click on the following links for each service branch:

Transfer Your GI Bill Before July 2019

The GI Bill restriction does not go into effect until July 19, 2019, so if you are approaching 16 years of service or more and want to transfer your GI Bill now is the time.

The good news is, if you complete the transfer now, you can make changes later. If you have additional children or want to change how the bill is divided among your dependents this can be done at a later date as long as the transfer takes place prior to July 2019.

If you are interested in transferring your GI Bill to your dependents log onto DMDC milConnect, find the “I want to” section and select “Transfer my education benefits.”

If you are not eligible for the GI Bill transfer or have already used the benefit there are additional scholarship options available to military dependents and yourself. Here is a list of more than 50 scholarships which are available to the military community.

Related: Military Spouses Unaware of MyCAA Scholarship Program

Also visit your local education center and veteran affairs office at your university of choice for additional scholarship resources and assistance.

What do you think about the new GI Bill restrictions? Will this change impact a service member’s decision to re-enlist?

Turn Your Passion for a Healthy Lifestyle into a Portable Career

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This is a sponsored post written by me on behalf of the California University of Pennsylvania. All opinions are 100% mine.

Military spouses desire portable careers with flexible work schedules. These men and women, many of whom are veterans themselves, understand that the careers they picked when they were 22 years old may not be compatible with the military lifestyle.

But just because their first choice for a career isn’t going to work doesn’t mean they want to give up on having a career completely.

Many military spouses have a passion for healthy living. They exercise 5 days a week at their on-post fitness center. They search the commissary for affordable healthy meal options for their families.

Let’s be frank: military spouses and veterans tend be gym rats.

Why not take your passion for eating healthy and exercising and turn it into a portable career?

Military spouses and service members can earn a bachelor’s degree in health and wellness or a master’s degree in exercise science through a 100% online program at the military-friendly California University of Pennsylvania. This affordable option, thanks to the university’s military tuition program, offers a pathway to new professional opportunities for military spouses.

The master’s degree program includes professional certification and can be completed in 12 to 18 months.

The California University of Pennsylvania Office of Military and Veterans Affairs offers comprehensive support for veterans, eligible dependents, service members of the National Guard and Reserve, and active duty service members.

Here are 3 reasons why military spouses and service members should consider earning an exercise science degree with the California University of Pennsylvania.

You can earn your bachelor’s degree from your house anywhere around the world. Cal U offers virtual classes that are 100% online. Online classes are a great option for military spouses and veterans.

With online classes you can complete your coursework uninterrupted while moving from one military base to another. You don’t have to worry about enrolling in a new university and hoping your credits transfer.

As long as you have a high-speed Internet connection and a modern computer, you have the flexibility to take online class anytime and anywhere. You can schedule your college classes around the demands of your daily life.

Online classes are a benefit for service members who want to earn a college degree while they are still on active duty. I know several sailors who earned a wellness and fitness degree and work as personal trainers on their nights and weekends. With this degree, they earn extra income doing a job they love during their free time.

Also, a degree in exercise science may be the first step in owning your own fitness center when you transition out of military service.

According to the Bureau of Labor Statistics, the median annual salary for athletic trainers was $41,600 in 2010, and demand in the field is expected to grow by 30% through 2020.

Earning a bachelor’s or master’s degree from Cal U is an affordable option for service members and their spouses. The Cal U Global Online programs provide discounted tuition costs for active duty members and veterans of all military branches, as well as their spouses and eligible dependents.

Their Military Tuition Discount Program is a reason to consider enrolling at Cal U.

The average student in the Class of 2016 has $37,172 in student loan debt. My husband and I carried a lot of student loan debt into our marriage. It wasn’t easy, but we finally paid off our student loans after 5 years.

Nobody wants to have student loan debt. While Cal U’s military tuition discount program doesn’t mean that you will attend college for free, it does mean that you don’t have to graduate with the burden of hefty student loan debt. By enrolling as online student, you won’t pay fees for on-campus services you don’t use.

The staff at Cal U are also ready and willing to help veterans understand how to maximize their military education benefits including the GI Bill.

Did you take a semester of college prior to enlisting? No problem. The Cal U staff will help you transfer those credits to your new program.

Pro-tip: Cal U is a MyCAA eligible university. Military spouses should check to see if they qualify for MyCAA when enrolling at Cal U.

Cal U is the leader in the study of exercise science. Cal U was the first college to launch a 100% online master’s degree program in exercise science. This curriculum was designed for online students to help them achieve their education goals. This online program allows students to interact fully with professors and classmates and form a network of professional peers.

The university partners with the National Academy of Sports Medicine (NASM) for the latest industry-focused program in fitness, health and exercise science. Plus, its students earn industry recognized certification through NASM through the program.

Join forces with Cal U and earn your degree in wellness, fitness or exercise science today. Click here to learn more about the California University of Pennsylvania.

Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

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House Veterans Affairs Committee Chairman Phil Roe, R-Tenn., introduced the idea of changing the GI Bill to have service members buy into the benefit. This quickly became a debated topic with strong opinions on both sides.

Later, a meeting was scheduled to hear points from multiple interested parties, but that was quickly called off as well. Finally, last month 35 veterans groups were able to peacefully discuss changes to the GI Bill.

At the conclusion of that meeting, the groups were able to agree on 4 key changes to the GI Bill but could not agree on how to fund them.

Currently, the Post-9/11 GI Bill is a free benefit to service members that meet certain criteria. There is no fee to participate in the program. The GI Bill is estimated to cost the government about $100 billion over the next 10 years.

Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

New service members may be required to pay into the GI Bill if proposed changes occur. Four changes are being considered, but funding for them may come from service members directly.

The idea introduced is that new service members would have to buy into the GI Bill benefit if they wanted to have access to it. This fee would only apply to service members that enter the military after a set point, not current or former service members.

The GI Bill tax is proposed to be $100 a month for the first 2 years of service. While that might not sound like a lot of money to those in Washington, it is substantial to lower enlisted men and women. Once the $2,400 has been paid over that period of time, service members would be eligible to use the GI Bill. The government estimates that this buy-in fee would bring in $3.1 billion over 10 years.

The money taken in from this GI Bill tax would be used to finance adding other groups of service members and their families that do not, under the current GI Bill, qualify for the program. Adding these groups to the GI Bill benefit is what all parties can agree on, but funding it through this tax is not.

As it stands, the groups agreed on 4 changes to the GI Bill.

The first is permitting National Guard and Reservists who deployed under Title 10, Section 12304b and should of qualified for benefits, but didn’t, to be eligible for the GI Bill. Roughly 4,700 service members fall under this category.

The second thing they agreed on is to broaden the eligibility for the Yellow Ribbon Program to include surviving spouses as well as children of service members that were killed while serving their county. The Yellow Ribbon Program provides extra money to put toward education, which allows recipients to attend schools or take classes that would otherwise cost more than the GI Bill would cover.

The third thing all parties could agree on was to give full GI Bill benefits to every Purple Heart recipient. Sadly, every Purple Heart recipient does not currently qualify for these benefits. As it stands, the service member must be medically retired from the military if they don’t have 36 months of active duty. There are about 1,500 Purple Heart recipients who do not meet these qualifications.

Finally, those at the meeting agreed that there should be assistance for students when a school they are attending closes. Under the current GI Bill, if a school closes its doors before you graduate, you simply lose the money that the GI Bill benefit paid to the school. You don’t get to start over at a new school with new money.

Thousands of veterans were hit hard when ITT Tech closed last year. They weren’t able to recoup any of the money or even transfer credits.

These 4 changes to the GI Bill are great improvements. The only problem is how to fund them. The VFW strongly disagrees with charging service members for the GI Bill but other groups, particularly the Student Veterans of America, are for it.

What do you think of this proposal to have service members buy into their Post-9/11 GI Bill benefits?

How to Know if Your College Is Military Friendly

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Perhaps the greatest gift we can give ourselves and our children is an advanced education.

My oldest is finishing up her first college semester and it has been an eye-opening experience for both of us. Luckily, her chosen school is extremely military friendly. A tour of the campus included the opportunity to meet with a military veteran turned school administrator and ask the litany of questions we had compiled.

If you are a service member, veteran, military spouse or military family member looking to further your education, make sure you take advantage of the benefits that military affiliation can bring.

If enrolling at a military-friendly college is on your list of things to do, here are 6 things to look for when considering an university:

Is This College a Yellow Ribbon School?

Established by the Post-9/11 Veterans Educational Assistance Act of 2008, the Yellow Ribbon Program can help veterans and children of active duty service members to offset the cost of college tuition. Typically, GI Bill benefits will pay for tuition and fees at public institutions, but are limited to a nationally capped amount for private institutions (currently, just under $22,000 per academic year).

Universities and colleges participating in the Yellow Ribbon Program enter into an agreement with the Department of Veterans Affairs (VA) for additional funds. A Yellow Ribbon school will contribute a specified amount of money toward tuition and fees, an amount then matched by the VA.

Not all private universities participate in the program, so if the cost of getting a degree, even with GI Bill benefits, seems out of reach consider looking at a Yellow Ribbon school to help offset the costs.

You can find more information about the Yellow Ribbon program and a list of participating colleges on the VA website.

Does This College Have a Student Veteran Affairs Office or a Veteran Student Organization?

A quick tip-off that a school is military friendly is the availability of staff and personnel dedicated to veteran and military students. It’s always nice to talk to someone who has been there done that.

Student Veteran Affairs staff members can be tremendous sources of information when you are trying to figure out the intricacies of the GI Bill and campus life.

Some colleges even offer veteran-only study halls and sponsor veteran and military-family oriented social events.

Does This College Allow for In-State Tuition Rates for Military Personnel and Families?

Surprisingly, at least for me, not all schools offer in-state tuition rates for military dependents. Most schools will offer in-state tuition for active duty dependents with a copy of the sponsor’s orders.

Thanks to a new law, passed just last year, in-state tuition is now guaranteed for all veterans and their dependents for the 3 years following separation from the military.

However, outside of that time frame, availability for in-state tuition depends on the institution.

Are There Plenty of Options for Housing within GI Bill Housing Allowance?

In addition to paying tuition and fees, the Post-9/11 GI Bill also allows the children of active-duty service members, veterans and military dependents to receive a housing allowance to help offset room and board expenses. Typically, that amount is the E-5 with dependents BAH rate for the ZIP code for your college or university.

Pro-tip: Make sure there are several options for housing within that range of pay. Military-friendly universities will sometimes also reserve a set number of on-campus housing options for military dependents and veterans, but you won’t know unless you ask.

Do They Offer Flexible Schedules?

For active-duty service members or working veterans and dependents, flexible scheduling options are a must. Many universities and colleges offer short-term course study or online class options.

Even some of the largest universities offer online courses, so don’t assume just because it isn’t local, it isn’t military friendly. Some also offer discounts to military service members and their dependents for online programs. Again, ask about a flexible schedule when meeting with university representatives.

Does This College Offer Credit for Military Experience?

For veterans and active duty service members, you can save a ton of time and expenses by using your on-the-job training as substitutes for some degree-required classes.

Many universities and colleges will evaluate your military training records and award you college credit for things you already know. You may earn credit for basic training.

There may be a small fee for transcript evaluation, but many military-friendly colleges will waive that fee for military-affiliated students.

As someone who only recently earned her bachelor’s degree, my hat is off to anyone who is willing to make that commitment.

No matter the university or college you chose, take the time to find out what opportunities and options they have for military students. The resources are out there, so take advantage of them.

Did you attend a military-friendly college? Tell us about your experience in the comments section.

Now Is the Right Time to Transfer Your GI Bill to Your Kids

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A benefit for military service members is the GI Bill. While many take advantage of the great opportunity to go to college with this financial support, others choose to pass it on to their spouse or children.

This option wasn’t always available and might not remain so, which makes now a great time to decide if transferring your GI Bill is the right move for your family.

Now Is the Right Time to Transfer Your GI Bill to Your Kids

Talk to your spouse and children to see if transferring your GI Bill benefits to one or all of them is the right decision for your family. Don’t wait until politicians change, take away, or make receiving these benefits harder.

What is the GI Bill?

The GI Bill is a government program that helps service members meet the financial needs of continuing their education once they leave the military. It was initially only available to the service members who met certain qualifications. Over the years the rules and benefits have changed.

The Post-9/11 GI Bill is the latest form of the bill. It provides money for approved educational programs for up to 36 months of school for service members, which must be used within 15 years after leaving active duty.

In 2009, a law was passed to allow service members to transfer these benefits to their spouses, children or both.

Who is eligible?

Any service member that completed 90 days of aggregate active duty service after Sept. 10, 2001, that is on active duty, or that was honorably discharged or discharged with a service-connected disability after 30 days is eligible.

What is covered?

Monetary funds are available to cover up to 36 months of educational courses for approved programs that include higher education, vocational training and now flight school for example. Other financial support may be provided to cover a monthly housing allowance, annual books and supplies and one-time rural benefits.

Am I eligible to transfer my GI Bill?

In order to transfer your GI Bill, service members must meet certain requirements. Anyone on active duty or Selected Reserve, officer or enlisted, who is eligible for the Post-9/11 GI Bill and also meets these requirements may transfer benefits:

  • Has at least 6 years of service in the Armed Forces (active duty and/or Selected Reserve) on the date of approval and agrees to serve 4 additional years in the Armed Forces from the date of election.
  • Has at least 10 years of service in the Armed Forces (active duty and/or Selected Reserve) on the date of approval, is precluded by either standard policy (by service branch or DoD) or statute from committing to 4 additional years, and agrees to serve for the maximum amount of time allowed by such policy or statute.
  • Transfer requests are submitted and approved while the member is in the Armed Forces.

Why transfer your GI Bill now?

If you, as the service member, do not have any intention of using the entire 36 months of educational benefits, you might want to consider transferring some or all of the benefit to family members. The government started this program as a way of helping service members transition out of the military as well as an incentive to join the military. You have earned these benefits, so don’t let them go unused.

Last year Congress discussed changing the GI Bill benefit to make it more difficult to transfer to family members. They talked about increasing the number of years the service member must commit to in order to transfer the benefit. They also discussed limiting the scope of the benefit.

No legislation on this has been brought up, but the possibility is there. Why leave it to chance if you don’t have to?

How do I transfer my GI Bill?

Active duty service members may designate, modify and revoke a Transfer of Entitlement (TOE) request on the Transfer of Education Benefits (TEB) website.

After approval, there is one more form to turn in before a family member can use these benefits. Family members are required to apply to use the transferred benefits by submitting a VA Form 22-1990e with the Department of Veterans Affairs (VA).

Is there anything else I need to know about transferring the GI Bill to my spouse or children?

Family members enrolled in DEERS that are eligible for benefits at the time of transfer are able to use the benefits.

Spouses are able to use the benefits at the time of transfer, but children must wait until the service member has completed at least 10 years of service. The child or spouse can use it while their sponsor is actively serving or after they leave the military.

Military children cannot use the transferred GI Bill until they finish high school, or an equivalent, or turn 18 years old. The child is entitled to the monthly housing allowance even while their sponsor is on active duty, but the spouse is not. A spouse has 15 years to use the benefits once the service member separates from active duty, but the child does not have this restriction. They do however age out of eligibility at 26 years old.

Talk to your spouse and children to see if transferring your GI Bill benefits to one or all of them is the right decision for your family. Don’t wait until politicians change, take away, or make receiving these benefits harder.

Has your service member transferred his or her Post-9/11 GI Bill to you or your children?

 

5 Tips for Writing Your College Application Essay When You’re a Veteran

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You’ve served in the Armed Forces and you’re ready for the next chapter of your life. For many veterans, the next stop after separating from military service is college. And why not? You earned your GI Bill, you might as well take advantage of this military benefit.

But attending your first-choice university may not be as simple as you think. The college application form may be lengthily and require the dreaded personal essay. This essay is an essential component of applying for colleges and can’t be overlooked or rushed through.

When you’re a veteran writing a college application essay you may be asking yourself

“should I talk about my military experience?”

For many veterans, you went to boot camp right after graduating from high school, so your past experiences are solely your military experiences.

Your deployments, specialized training and overseas assignments have shaped you as an individual and will influence your experience as a veteran turned college student. Here are 5 tips for writing your college application essay when you’re a veteran.

5 Tips for Writing Your College Application Essay When You're a Veteran

What questions do you have about writing your college application essay?

Talk Positively About Your Military Experiences

Anyone who has spent more than 5 minutes in the military can easily list their complaints, but what about the positive experiences? As a service member you were taught leadership skills, problem-solving techniques and focused discipline. In your college application essay, you may want to write about the projects that you were in charge of, the troops that you led and the maturity that you have gained through these experiences.

College admission board members are looking for college students who are mature leaders for their campuses. That’s a positive asset for veterans looking to attend college, so write about this advantage in your essay.

Discuss Your Personal Challenges

Everyone, and I mean everyone, has overcome a personal challenge. What was your personal challenge and how did you work through it?

As a veteran, you’ve done more and seen more in your 6 years in the Army than most people will in a lifetime. Your exposure to stressful circumstances and learning to work through them are all personal challenges that you can discuss in your college application essay.

Maybe you’re still working through a personal challenge. That’s OK too. Write about how attending this university and earning a specific degree will help you overcome your challenge.

Channel Your Personality

Don’t be afraid to be you in your college application essay. The college admission board members want to get a sense of you and your personality through this essay. It’s hard to shine in 300 words or less, so that’s why you need to focus on your unique personality strengths.

If you aren’t sure if your essay is highlighting your personality, let your spouse read it. He or she knows you better than anyone else. They can tell you if your essay is showing your polished personality or if it’s too generic.

Forget the Military Alphabet Soup

Once you start talking in military lingo, it’s hard to break the habit. But you need to remove any military jargon and acronyms from your college application essay. If you write TBS, FOB or OCONUS in your essay, the university staff member reading your essay will most likely be confused. Search your essay for military-speak and try to translate as much of it as possible into civilian talk.

Not sure if you removed all the military jargon? Ask a friend, who isn’t in the military, to read your essay. The military alphabet soup will jump out at him or her immediately.

Don’t Write or Revision Alone

Your college application essay is a vital component of your application. You shouldn’t write it the night before your application’s deadline and submit it without someone else reading it. Everyone makes typos. Spellcheck won’t catch every mistake, so ask for help.

Writing a college application essay isn’t easy for anyone. Even English majors struggle with finding the right words to express themselves and their aspirations.

The struggle is normal, but there are many resources to help veterans as they transition from active duty to college student. Take advantage of these resources and use them to help you write your best college application essay.

What questions do you have about writing a college application essay?

5 College Degrees Leading to Portable Careers

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A college degree is a big deal.

 

A recent article from Kiplinger mentioned that an employee with a bachelor’s degree earns on average almost double the amount of money compared with a person with only a high school diploma.

Basically, that extra piece of paper makes you more competitive, more portable and more money.

Whether you had to put your education on hold or never got the chance to start, it’s important to begin the admissions (or re-admissions) process with a solid direction. Military spouses endure unique career challenges. We need to factor in PCSing, managing a household (sometimes alone) and countless other random military-related last minute craziness when choosing the right time to earn a college degree.

With that in mind, picking a major should be the first decision you make, even before researching schools. Your interest will dictate what school or program you will want to apply for. It will be a huge advantage to establish a path at the very beginning.

Start by thinking about what you see yourself doing afterward you earn your diploma. A lot of military spouses choose to study a program that would result in a portable career. It makes sense. We have a relatively mobile lifestyle, so why not pursue a curriculum that would support a portable career?

Here are 5 college majors for milspouses looking for a portable career:

  1. Management. After you graduate, a degree in management offers a whole lot of flexibility. It sets the foundation for a variety of jobs that a lot of employers seek, whatever your interest. Personally, I have friends that have pursued a sales managerial position, opened their own e-commerce store and another that used it to work admissions at a school. All jobs that are easily transferable. There are many military spouses with great ideas and this degree direction might be an excellent way to build your successful small business.
  2. Health care. From nursing to medical technicians, the heath care field offers a broad selection of degree programs. There are also options for certain professions that may not need a bachelor’s degree, only a certificate or associate’s degree, which gives this path flexibility (i.e. Registered Nurse (RN) versus a Bachelor of Science in Nursing (BSN)). Wherever you are stationed, there will most likely be a doctor’s office, hospital, dentist, rehab center, etc. Despite what people may say about the difficulties in finding jobs in heath care, it’s hard to argue against the continuous need for people in the profession. It’s a challenge to find a job in general, so if it’s your passion to help others in this way, go for it! Remember to discuss all the appropriate certifications with your career counselor that way you’re ahead of the curve when you begin the job hunt at your new duty station.
  3. Communications. I was once told that a communications degree was pointless. On the contrary, a B.A. in communications can open doors to a very wide range of opportunities. It’s a creative discipline and if you have a knack for working with people, brainstorming ideas, writing, communicating in general, then this major is for you. I’m extremely bias because I hold a communications degree. I was able to explore several different facets before putting together my portable career. For example, I studied journalism, marketing, and public speaking.
  4. Computer Science. There is no doubt that the digital age is booming. With a computer science degree, you become the go-to person. Other degrees that are similar are computer engineering or computer development. After graduation, use your expertise and land a job being a developer or researcher. There is no denying that a bachelor’s degree in computer science would translate into a very lucrative career. The National Association of College and Employers (NACE) reports that the starting salary for someone with a computer science degree is around $64K.
  5. Information Technology/Systems. Not to be confused with computer science, this degree takes technology systems and integrates them with businesses. For example, the skills you learn with this program can be applied to work for a number of places like IT firms, online Internet security companies or apply for other similar professions. This degree is great because it provides a well-rounded technical education.

If you are still undecided on a major, aim your studies toward a genre like liberal arts, business or science. Once you’ve applied within a certain school, work on your prerequisites before finalizing your major. U.S. News and World Report is a great resource to gather information on universities, programs, and a whole lot more, including some tips too.

Ultimately, choose a major that is right for you, no matter what. It’s best to be in a career that you love because then your job will never feel like work.

Want more information about college degrees that are most compatible with military life? Visit the Spouse Education and Career Opportunities Program website.