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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?

What the New GI Bill Means for Military Families

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Brace yourselves. Changes are coming to the GI Bill as we know it.

President Donald Trump signed the Forever GI Bill into law in August 2017. With this new bill, changes are in the works, including transferring benefits, housing allowances and the deadline to access GI Bill funds.

What the New GI Bill Means for Military Families

Time Limit

Under the Post-9/11 GI Bill, beneficiaries had 15 years to use their earned education benefits. With the new GI Bill, there is no time limit to complete a degree, license or education program.

This is arguably the most important change to the bill since it extends the time that beneficiaries have to complete their education.

It allows for unexpected life events or changes along the way.

This is limited to veterans, troops and designated dependents who became eligible on or after January 1, 2013.

Housing Allowance

Under the current GI Bill, non-active duty students rate the Overseas Housing Allowance (OHA) for an E-5 with dependents based on the location of their school. Additionally, students receive a portion of the total allowance based on how many credits they are taking. In order to qualify, students must be enrolled at greater than half-time.

Starting Jan. 1, 2018, the housing allowance will be calculated using the reduced BAH schedule.

Previously, the GI Bill has been exempted from the yearly 1% BAH reduction started in 2015 and ending in 2020. Students using the GI Bill before January 1, 2018, will continue to receive their current housing allowance rates.

Additionally, the location used to calculate housing allowances will be tied to the location where students physically attend classes. This could impact students who attend a satellite campus in a location with a lower BAH rate. This change goes into effect on Aug. 1, 2018. Students enrolled before this date will follow the current rules.

Housing for members of the reserve will be prorated by quarter, semester or term starting on Aug. 1, 2018.

Expanded Access

Currently, eligibility for GI Bill benefits is calculated based on time in service or discharge due to service-related injury. Under the Forever GI Bill, all Purple Heart recipients will be rated at the 100% funding level or with 100% of their tuition and fees of in-state tuition paid for.

Additionally, certain members of the Reserve will be eligible for benefits under certain conditions. If Reserve troops deployed to support a combatant command or within their state in response to a natural disaster, they may now be able to access GI Bill benefits. This includes Reservists who deployed in these capacities after 2009.

Reservists who used the Reserve Education Assistance Program (REAP) will now be able to access the GI Bill under certain circumstances. Students who qualified before Nov. 25, 2015, but whose benefits have expired may choose to have that time in service credited toward the Post-9/11 GI Bill. This change applies to coursework started after Aug. 1, 2018.

Previously, students could be considered eligible for 40% of total GI Bill benefits (40% of in-state public college tuition and fees paid for) based on time in service. This category has now been eliminated.

Instead, the 60% level has been expanded to include more veterans. The minimum benefits level is now set at 50%, meaning that up to 50% of tuition and fees at an in-state public college would be paid by the VA.

Overall, more veterans and designated beneficiaries will be able to access higher education or career training with increased funding possible.

Transferring Benefits

Veterans can designate a dependent to receive GI Bill benefits. In the past, if that person passed away, the benefits disappeared.

Now, veterans are able to select another eligible dependent should their original designee die. Dependents who have received benefits are also able to pass on the GI Bill to another designee. This is only able to happen after the veteran who earned the benefits has passed away.

This now allows GI Bill benefits to continue on beyond the veteran or original designee in the event of death. This could prevent these valuable benefits from going unused.

Extra Protection

If your college closes before you earn a degree, the GI Bill now offers protections. Time spent at a college that has closed can now be partially or fully reinstated.

Students can also potentially earn GI Bill time back for courses that were not approved or for courses in which no credit was earned.

This is retroactive to programs, courses and colleges that were discontinued after Aug. 1, 2015. The change takes effect 90 days after the bill was signed.

Programs and Licenses

Students may begin using their benefits at accredited area career and technical schools that provide post-secondary education and/or vocational skills. This allows students to pursue a career path outside of traditional college level education.

Veterans at the 100% benefits level, with at least 60 credit hours of work and who will be reaching the end of their benefits before they complete an eligible degree in science, math, engineering, medicine or certain teacher training programs can apply for an extension.

This is a one-time 9-month benefit bonus. It cannot be transferred or be used in conjunction with the Yellow Ribbon Program. There is a $30,000 cap. This change begins on Aug. 1, 2019.

Entitlement charges for professional licensing and certification exams will be prorated based on the actual amount charged for the test.

Additional Benefits

Spouses and dependents who qualify for the Fry Scholarship may now also access the Yellow Ribbon Scholarship as well. This opens up new funding possibilities to supplement the GI Bill at private colleges or out-of-state schools. Purple Heart recipients will also be qualified for Yellow Ribbon Scholarships. These changes take effect on Aug. 1, 2018.

Beginning on Aug. 1, 2022, active duty troops using the GI Bill will be able to access the Yellow Ribbon Program. This will expand their ability to complete coursework at a larger number of institutes of higher learning while still serving their country.

Students who were eligible under the Survivors’ and Dependents’ Educational Assistance program now have 36 months of benefits instead of 45 months. This change applies to students who enroll after Aug. 1, 2018.

This same change increases the amount payable per month to $1,224 for full-time students, $967 for students enrolled at three-quarter time and $710 for half time enrollment. This increase is effective Oct. 1, 2018.

Will these changes to the GI Bill impact your family? Share your thoughts in the comments.

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?

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?

3 Ways to Stretch Your Tuition Dollars

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3 Ways to Max Out Your GI Bill Benefits

Use the VA’s GI Bill Comparison Tool to calculate the cost of a diploma.

In this year’s defense budget debate, the political buzz has centered on the possibility of a reduction of benefits for active duty service members, military families, retirees and veterans. While this debate was negative news to every person who volunteered to serve their country, there is one benefit that is being paid out by the tens of thousands every year:

the Post-9/11 GI Bill

The Post-9/11 GI Bill was approved in July 2008 and it provides education benefits to service members who served 90 or more days on active duty since Sept. 10, 2001. Military.com explained that the benefits are tiered based on the number of days served on active duty, creating a benefit package that gives current and previously activated National Guard and Reserve members the same benefits as active duty service members.

Unlike the previous veteran tuition assistance benefits, the Post-9/11 GI Bill can be transferred to the service member’s spouse or children.

Are you considering using your Post-9/11 GI Bill?

Here are 3 ways to stretch your GI Bill dollars.

Choose a Post-9/11 GI Bill-friendly school. Review the list of college and universities participating in the Yellow Ribbon Program. This voluntarily program ensures that service members will not pay any money out-of-pocket for tuition and fees. You earned these benefits; select a school that values veterans and military families.

Calculate and compare educational options. Veterans shouldn’t rush into the decision to attend college. Each student needs to work with the Department of Veteran Affairs, which administrates the tuition benefits for veterans, to ensure that he fully understands his benefits. The VA’s GI Bill Comparison Tool provides unbiased and accurate information to compare different higher institutions.

For example, a veteran considering attending Harvard University is eligible for up to $19,198 per year for tuition, $2,454 monthly housing allowance, and $1,000 annual book stipend.  Tuition at this private university is $43,938.

Let’s compare those dollar amounts with Arizona State University, a public university which currently has 3,000 veterans and dependents enrolled and has been recognized as a military-friendly college. At ASU 100 percent of the instate tuition costs (estimated at $10,156), along with the $1,000 book stipend and $1,461 for a monthly housing allowance are included in the GI Bill benefits.

3 Ways to Get Max Benefits Out of Your GI Bill

Veterans should review the list of universities participating in the Yellow Ribbon Program before enrolling in college.

Every veteran should aim to attend a school with a benefit estimate of 100 percent of instate tuition costs. You earned these benefits; don’t go into debt to get your diploma.

Be smart about online resources. There is a lot of false and misleading information regarding the Post-9/11 GI Bill. Beware of websites that claim to be veteran education organizations, but are not affiliated with the VA. The best source of information is the VA. Stick with them. You earned these benefits; don’t be scammed.

What did I forget? Please share your tips on how to maximize your GI Bill benefits.