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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?

Is Congress Being a Bully to Military Families?

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Sometimes I feel like Congress is the bully on the school playground. They make all the rules and tell everyone how to play the game they want to play. They give out great toys, our military benefits, but they constantly taunt us saying they’ll take them away.

Military families want Congress to play fair.

When they promise us something, we expect them to live up to it.

Is Congress Being a Bully to Military Families?

What do you think? Is Congress being a bully to military families?

Every year Congress looks at military spending. They question how to save the government money. Military benefits are put on the chopping block every time. Think about the benefits you or your service member were promised when enlisting.

Are you getting everything you were promised? Probably not.

I’ve been part of the military community my entire life. My parents were both in the Army and my husband is in the Navy. I have seen firsthand how Congress plays. I read the transcripts from subcommittees that debate changes to military benefits.

I pay close attention to the wording of bills I follow to see how they progress through the Senate and the House. Not many people do, which is why I enjoy writing about what Congress is doing in regards to changes that affect military families.

I want you to know what is going on so you aren’t blindsided.

So many changes have occurred recently. Have you kept up with what Congress is doing or have you been thrown a curve when you’ve needed a benefit?

Tricare had significant changes start on January 1, 2018, for example. Did you know that while Tricare Prime remained the same, Tricare Standard and Tricare Extra merged to become Tricare Select? A significant part of the change is that beneficiaries will no longer be able to switch between Tricare plans at any time. There will now be an open enrollment window. Life events will continue to enable you to switch however.

I’m sure you know that we got a pay raise this year. That’s one thing military families keep track of. There are some important things to consider though. Congress isn’t necessarily giving away extra money without caveats. You might want to read up on BAH rates for locations you are considering for your next PCS. Rates have gone up, slightly, in some locations and down in others.

Did you know that Congress wants military families to start covering 5% of BAH starting as early as next year?

Military retirement changed on January 1 as well. Congress made the most significant change to military retirement pensions in 70 years. The old plan, known as the legacy retirement system, stayed the same. A new retirement program known as the blended retirement system allows incoming service members to basically set aside money that is matched by the government up to a point. They will no longer be required to stay in the set 20 years to earn a retirement benefit.

The post-9/11 GI Bill also changed. Previously there was a 15-year cutoff date to use or lose the benefit after a service member left the military, if they left after 2013. That was eliminated. Reservists will now see their benefits increased. Surviving dependents and Purple Heart recipients get better benefits as well. A great thing is that those who attended a college that closed in 2015 or later, who ended up losing their money, will now get a new allotment.

These are just a few of the changes Congress sent our way already this year. It’s great that those entering the military will have some improvements to benefits such as the retirement plan and the post-9/11 GI Bill. Those that have been in for a while are excluded from many benefit improvements coming though. Tricare is a major benefit that many people joined the military for. That’s taking a big hit. Copays for medication increased. The dental plan changed, and not for the better, not to long ago. The commissary has changed so that prices fluctuate with the area.

In some ways it’s like Congress is making friends with the new kids and bullying their other classmates on the playground. The bully didn’t play favorites during the recent government shutdown though. Congress mandated that service members continue to work, even if they weren’t going to get paid. And our representatives didn’t lose money or sleep over this decision.

What do you think? Is Congress being a bully to military families?

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.

Understanding In-State Tuition Options for Veterans Using the Post-9/11 GI Bill

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Understanding the Veterans Access, Choice And Accountability Act of 2014 can be quick and easy. Section 702 specifically states:

The Senate amendment would amend section 3679 of title 38, U.S.C., by adding a new subsection (c) to require VA to disapprove courses of education provided by public institutions of higher learning that charge tuition and fees at more than the in-state resident rate for veterans within three years from discharge from a period of at least 90 days service in the military, irrespective of the veteran’s current state of residence, if the veteran is living in the state in which the institution is located while pursuing that course of education.

Pursuant to subsection (c), this provision would apply to veterans using the educational assistance programs administered by VA under chapters 30 and 33 of title 38, U.S.C., and to dependent beneficiaries using Post 9/11 GI Bill benefits during the three years after the veteran’s discharge. If the veteran or dependent enrolls within three years after the veteran’s discharge, the requirement to charge no more than the in-state tuition rate would apply for the duration the individual remains continuously enrolled at the institution.”

This law was written to help veterans transition from the military to civilian world through higher education and now includes benefits for their spouses and children using the Post-9/11 GI Bill. Previously, public schools were able to charge veterans out-of-state fees if they did not meet in-state requirements. With the passage of the Veterans Access, Choice And Accountability Act of 2014 schools that want to continue to receive Post-9/11 GI Bill benefits must offer veterans in-state tuition or lose those funds.

In-State Tuition for Veterans Using the Post-9/11 GI Bill

What questions do you have about the in-state tuition for veterans bill?

It can be difficult for veterans and their family to establish in-state residency with the amount of moving the military can require. This bill will now bring relief from these burdens for those planning on taking classes July 2015 or later, as this is the deadline for schools to offer in-state tuition to veterans and their family.

Not all public schools will make this easy however. While they must offer in-state tuition, they can still mandate that you prove your intent to stay in that state and eventually become a resident.

The State Council of Higher Education for Virginia for example requires veterans and their family to prove they have established “domicile” in Virginia. This intent to remain in the state can be established by not only physically residing in Virginia but also changing records to the state. The standard one-year wait most civilians are required to prove they have made Virginia their home is waved for veterans and their families. They can begin classes on the next term once their review has been processed.

Post-9/11 GI Bill Offers In State Tuition to Veterans

 

To take advantage of in-state tuition veterans and their family must begin college courses within 3 years of separation from service. As long as they are enrolled in courses they will be able to continue using this benefit. Again, schools have until July 2015 to offer in-state tuition so be sure to consider this and your timeline for enrollment. Contact the college or university you wish to attend in order to definitively know their policy. Currently, Student Veterans of America has an interactive map outlining state laws and legislation regarding this matter.

What questions do you have about the in-state tuition for veterans bill?