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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?

Why You Should Consider Attending a Yellow Ribbon School

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Ahhhh, college. New experiences, exciting challenges, and mountains of student debt. A college education is becoming increasingly expensive. If there’s a chance to cut costs, you should jump on it!

All of this makes Yellow Ribbons schools a great choice for military-connected students.

The Yellow Ribbon program offers the opportunity to decrease your out-of-pocket costs for earning a college degree. It’s a pretty sweet deal.

Why You Should Consider Attending a Yellow Ribbon School

The Post-9/11 GI Bill offers outstanding educational opportunities to military-connected college students. For qualifying beneficiaries, GI Bill benefits provide funds to cover the resident tuition and fees at public colleges.

If you’re going to be attending a private college or enrolling as a nonresident at a public university, there might be a gap between the GI Bill and the bottom line. That could leave you footing the difference. An education at a private or out-of-state college is definitely not cheap!

This is where the Yellow Ribbon Program comes in.

At select schools, there is a fund-matching program available to help reduce the total tuition costs.

Yellow Ribbon 101

Students at private schools or attending as an out-of-state resident, are entitled to the lesser value of their school’s tuition and fees or the national maximum funding for an academic year.

To help GI Bill beneficiaries cover a difference between their entitlement and their tuition, schools may elect to participate in the Yellow Ribbon Program. This is a voluntary program that does not impact your GI Bill entitlement or funds.

Participating schools select how much of their tuition and fees they are willing to cover. Then the VA will match those funds, and send that payment directly to the school. Both sets of funds are then applied to the final bill.

In order to qualify, students must meet specific criteria.

Only 100% GI Bill qualified veterans and/or their designated beneficiaries are eligible. Yellow Ribbon Program funds are not available to active duty service members or their spouses. However, the children of active duty service members may be eligible if their parent is qualified at the 100% level.

The percentage of eligibility is determined by the service member’s service record. To reach the 100% qualification level, and be eligible for the Yellow Ribbon Program, troops must serve at least 36 months on active duty or have served for at least 30 consecutive days before being honorably discharged for a service-related disability.

Yellow Ribbon Fine Print

The Yellow Ribbon Program sounds ideal! Extra money straight from the school and matching funds from the VA. What could be better?

However, there are some caveats.

First, veterans and their designated beneficiaries must qualify for full GI Bill benefits, based on the veteran’s service record. Not all veterans will qualify for 100% GI Bill funding. This is required to be eligible for any Yellow Ribbon Program.

Next, your selected school has to opt-in to the Yellow Ribbon Program. This is a voluntary opportunity, and not all public or private schools elect to participate.

Each school decides their own level of funding and the number of awards available in an academic year. This means that even if your school is part of the program, all funds for this year might have been awarded. You will still be able to apply your GI Bill, but there will not be Yellow Ribbon funds from the school applied to your bill.

Each year, a list of participating schools is released by the VA. Funds are awarded on a first-come, first-served basis. Award amounts may vary based on enrollment status and level.

In order to qualify, you must first apply to a Yellow Ribbon school and identify that you are eligible per the GI Bill qualifications.

Receiving Yellow Ribbon funds this year does not guarantee that your school will participate in the future or that they will contribute funding at the same level. However, your school should notify you of changes or if they are leaving the program.

If you do qualify for and receive Yellow Ribbon funding, this is a good program to help make higher education more affordable

Did you participate in the Yellow Ribbon Program when you earned your college degree? What was your experience with this program?

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.

Military Spouses Unaware of MyCAA Scholarship Program

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Earlier this year, the RAND Corporation, a research group, released a study that military spouses are NOT using scholarship programs that are aimed to help assist the community with college.

Particularly, a majority of military spouses didn’t know about the MyCAA (Military Spouse Career Advancement Account) Program.

As military spouses, we experience multiple moves, deployments, TDYs and any other unexpected surprises that come our way. Because separation often times keeps military spouses busy holding down the fort, college might take a backseat.

Military Spouses Unaware of MyCAA Scholarship Program

MyCAA was created so that military spouses can pursue a meaningful education and attain portable careers.

Also, college is pretty dang expensive and scholarships are critical to help with tuition. I speak for myself when I say I wouldn’t have been able to finish my college education without scholarship programs. Last school year, the College Board reported that the average cost of tuition for state residents is more than $9,000 and almost $23,000 for out-of-state residents. In addition, if you wanted to attend a private university, tuition is more than $30,000.

Tuition is really intimidating and might have hindered a lot of spouses from attaining their bachelor’s degrees. But, just like the RAND study exposed, military spouses don’t know what’s out there. It’s important to share the message and pass along the details of MyCAA.

MyCAA was created for military spouses by the DoD, so they can pursue a meaningful education and attain portable careers. The goal of MyCAA is to work with a spouse’s military lifestyle and to ease the financial burden of a college, but less than 1/5 of eligible military spouses use MyCAA. MyCAA provides payment for obtaining appropriate licensing or certificates needed for certain jobs.

To be eligible for MyCAA, military spouses need to be married to active duty service members (Army, Navy, Marines, Air Force) at the following pay grades: E1-E5, W1-W2 and O1-O2.

Guard and Reserve spouses can use MyCAA if they start and complete their classes while their service member has Title 10 orders.

The RAND study highlights that one of the main causes for not using the MyCAA program is because a lot of military spouses think they don’t qualify or are time limited. It also found that newer military spouses didn’t know MyCAA existed.

Related: 10 Employment Programs to Help Military Spouses Find Jobs

Military OneSource counselors are available to military spouses that have questions or need guidance with MyCAA. It doesn’t hurt to reach out to someone, especially if you’re thinking about a career change or continuing your education.

Even if you aren’t eligible for MyCAA, there are so many other military spouses out there that would benefit from this amazing program, so be sure you keep it in mind for others.

Have you used the MyCAA scholarship? Why or why not?