Six Ways to Maximize Your Education Benefits

It would be difficult to name a piece of legislation that has done more for the country than The Servicemen’s Readjustment Act of 1944, otherwise known as the GI Bill of Rights.  The law recognized that service was an inherently selfless act which demanded a certain amount of compensation.  Some mistake the GI Bill as free money or free college; rather, it’s an investment made during service that pays dividends in the form of access to higher education.  As a result of the bill, nearly half of the 16 million Veterans of World War II went to school and received an education that rejuvenated the post-war economy, spurred the middle class and established the American dream.  The bill transformed not only the lives of Veterans but the fabric of our nation.

Today’s Post-9/11 GI Bill carries the same legacy of education opportunities as the original GI Bill, and even though it has undergone recent changes, the bill gives recent Iraq and Afghanistan Veterans (and their spouses and children) a chance to improve their lives and invest in their future.  However, the benefits received end after 36 academic months, whether you earn a diploma or not.  You have one shot at completing your education, and these six guidelines are ways to ensure that shot hits its mark.

1. Ask How, What, Where

You’re now out of the military and want to attend school on the GI Bill.  Where do you go? Ask yourself three questions when deciding on a school:  

a) How will you attend school: on campus or online? Evaluate your employment schedule, family circumstances and a commute.  You might have to relocate to be close to a university campus.  Some traditional universities have begun offering online degrees, and many for-profit institutions specialize in online education.  Evaluate the strengths and weaknesses of taking classes online, and pick a method of learning that best suits your lifestyle.

b) What do you want to study? This question should help narrow down where you want to get an education.  Schools offer different kinds of programs, degrees and certificates, and not all are equal. Some value programs over others or have particularly strong departments.  Identify what you want to study early so you can save credits by not changing degree plans in the future.  

c) Where do you want to be when you graduate? In the competitive job market, where you went to school may help or hinder your chances at employment.  A degree from a private school in one state might be prestigious in its borders but overlooked elsewhere.  Choosing a nationally recognized school can help when employers evaluate your educational background.

2. The GI Bill as an Investment

Like I mentioned earlier, the GI Bill does not last forever.  You are granted 36 academic months to finish your degree plan–whether it’s to get a certificate, undergraduate, or graduate degree.  The bill comes to you on behalf of taxpayers, but it’s not free and should not be wasted.  Many people change majors in the course of their life, but it’s a risk when it comes to the GI Bill.  There is not much room to adjust and take different classes once your basics are out of the way.  Weigh your different degree options and make your decision before taking major-centric courses.  Doing so will minimize the risk of exhausting benefits and paying out of pocket for the rest of your classes.

Be prepared to research the quality of education offered by the school you want to attend.  Consider both the graduation rates of students and the percentage of default rates on student loans.  While Veterans usually don’t need federal student loans while using the GI Bill, default rates of individual schools can help indicate the ability to secure a job that pays high enough to pay down loans.  The Department of Education’s National Center of Education Statistics utilizes a school search directory to evaluate schools on these grounds.  Look up schools you’re interested in and find out how graduates fare after they walk the stage.

3. Anticipate the Unpredictable Job Landscape

Another reason to take post-military education seriously is the unforgiving job market.  Veterans leaving the service after deployments to Iraq and Afghanistan–those most able to take advantage of education benefits–face a disproportional amount of unemployment compared to civilians. In January of this year, the unemployment rate for recently separated Veterans was 15.2 percent (up from 11.7 percent in December), compared to the seasonally adjusted rate of nine percent among civilians.   Society as a whole feels the burden of the recession to be sure. But Veterans face a civilian work force that doesn’t understand their skills and worries about the burden of traumatic brain injury and post-traumatic stress.  And according to a VA-sponsored study, Vets often earn less than their civilian counterparts, even with degrees in hand.  The takeaway is this: Veterans already enter the workforce at a disadvantage, so make your education bullet point on your résumé stand out just as much as your military experience.

4. Trust, but Verify

Schools will always welcome your dollars, whether you pay them through loans, scholarships or GI Bill tuition.  Unfortunately, some schools use aggressive and questionable practices to enroll students and deliberately exaggerate the earning potential of degrees earned.  Resources like Payscale can help determine earning power right out of school, and break down how much you stand to make depending on the type of college you attend: public, private, and for-profit.  If an enrollment adviser says you will make big money after graduating, think back to the used car lots that litter the roads outside of military bases.  They might be selling the equivalent of a car with 200,000 miles for a low interest rate of 18 percent.

5. Beware of Questionable Research Aids

Go to Google and search for “GI Bill schools.”  The first link you get isn’t a page run by the Department of Veterans Affairs.  The first result is GIBill.com, and it uses the name of the most recognized public education program in existence to its financial benefit.  It appears to be a legitimate site for information, but a cursory search of its privacy policy shows it is owned by an online marketing firm that, according to a major business publication, specializes in directing students to for-profit schools through its page.  It’s a questionable marketing strategy that seeks to legitimize a page that serves little purpose other than to funnel student Veterans and convince them their options for education are limited to their advertisers.  There are 6,500 schools across the country that allow GI Bill benefits; only use VA’s school locator to find qualifying programs.  Avoid suspicious websites drowning in advertisements.

6. Reintegration is Key

In September of 2007 I was a combat infantryman patrolling the streets of Iraq.  Less than twelve months later I was sitting in a classroom for the first time in years with kids half a decade younger than me.  The challenges of schoolwork paled in comparison to the difficulties of finding my footing in an unfamiliar civilian world–it took me only a few classes to understand I was a changed person after my service.  As painful as it was, the reintegration process exposed me to different people and ideas that put me on a path to feeling normal again.  For many Veterans, education after the military acts as a first exposure to college and the first challenge of reintegration.  Therefore the campus becomes training wheels for the professional world and allows you time to comfortably adjust to the slower pace of civilian life.  If you’re undecided between a physical campus and an online school, consider the benefits of surrounding yourself with other students before you enroll.

Do What’s Best for You

Since 1944, the nation has used different iterations of the GI Bill to repay the enormous debt it owes its servicemen and women, from World War II to the wars in Iraq and Afghanistan.  The quality of education a Veteran receives with his or her benefits is a serious matter that can’t be taken lightly, and it is with these tips that we hope Veterans can fully maximize their hard earned benefits.  The GI Bill is a return on an investment that was measured in sweat and blood, often drained on foreign soil.  Make it count.

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28 Comments to “Six Ways to Maximize Your Education Benefits”

  1. Jason Shattuck says:

    Thats a great, info. I am looking into going to school. I have the basic plan of study figured out…as of now.
    Im a bit nervous being in a big class room filled with people. But Ill be able to adjust.

  2. Rick Hegdahl says:

    I just read about this here:

    http://ricks.foreignpolicy.com/posts/2011/02/16/straight_talk_from_the_va_blog_who_is_wasting_veterans_educational_benefits
    “Money” quote~

    “This is the second day in a row that I’ve cited Alex Horton’s VA blog. I think that is a first for this blog. He must be doing something right. Whatever they are paying him, your tax dollars are being well spent in at least one corner of the government.”

    Way to go Alex!
    Cheers!
    Rick

  3. Jordan says:

    I’m preparing for college enrollment and trying to determine if I can afford the tuition after my GI Bill contribution. I recently sent the Veterans Financial Aid Counselor at a local university information regarding my GI Bill eligibility and then asked him:
    1. How does the number of credits I take effect my GI Bill Benefit;
    2. How do the new GI Bill changes translate into dollars based on my eligibility; and
    3. After the GI Bill has paid it’s portion, what am I left with?

    His response was:”The VA has not told anyone yet exactly how they are going to interpret and implement the changes brought by the new legislation, so I can’t really answer your question — at all. Right now the VA has a maximum per credit they will pay. That is being done away with and replaced with “the actual net cost for in-State tuition and fees” is how the actual law reads. We, and most other institutions, no longer have simple undergraduate tuition schedules—yes there is a basic table, but this doesn’t include extra “high demand” and “upper division” tuition charges assessed for different courses. So, at this time, it is totally up in the air what figure the VA will settle on, and all I know is that they will have to settle on something by August 1st. I wish I could give you something more concrete, but the information just hasn’t been provided yet.”

    Can you help me to help him help me?

    • JR ROMERO says:

      I would also say to my fellow veterans leaving service, while in school apply for a VA workstudy position, become an intern in your later years of school, so you can should that the degree your have has some experience attached. Resumes need to show you knowledge skills abilities and qualifications.every state has veterans employment representatives to assist you with you transition…utilize them as a resource and a networking team member. REMEMBER the number one way to get hired is NETWORKING.

      JR Romero, Intensive Service Coordinator State of NM
      USN, RET

    • Jordan says:

      So, no answer to my question yet? Just looking for a little clarification or direction, please.

    • Alex Horton says:

      Jordan, I need some information first. Is it a public school or a private one? Are you using Chapter 33 (Post-9/11), and if so, what’s your percentage of eligibility? It should have been printed on the first page of a packet when you enrolled.

      • Jordan says:

        It’s a public, state school. I am planning to use my Post 9/11 benefit, and I have 12 months of benefits remaining at 50% entitlement. The program is an MBA, if that matters – I exhausted my original GI Bill benefits on my Bachelor’s degree.

        It’s a great program, and an incredible benefit for Vets! Thanks for the help, Alex!

        • Alex Horton says:

          Jason,

          Sorry for the delay, I’ve been traveling this week.

          Sounds like you got the extra 12 months, which is good. A lot of people don’t know about that.

          For now, input your info here:

          http://gibill.va.gov/CH33Estimator/

          The housing allowance you see, based on your 50% eligibility, will be based on your course load. If you are entitled to, say $800 for housing, that’s full time. If you take half time courses, you’d get $400, 3/4 time you’d get $600, etc.

          The incoming rule changes for tuition affect private schools. Ask your certifying official what the 50% eligibility rate for tuition is now. Since you’re attending a public school, it should be the same deal this fall. Only your housing will change depending on your course load.

          Hope that helps.

  4. Michelle says:

    Don’t forget to research schools that participate in the “Yellow Ribbon Program”. So if you do end up having leftover costs that is an option. When did the changes in the Post 9/11 take place? If you elected to switch from the Montgomery to the Post 9/11 don’t they have to uphold to the original agreement?

  5. Billy says:

    I have used the GI bill and have found it very difficult to be distraction free and continue it. Either online or in class you got to make sure you are able to make the time to continue your education. That has been my biggest hurdle. Between running my business, spending time with kids and family then trying to go to school and study it was hard to manage.

  6. Mark says:

    If you qualify for the post-9/11 GI Bill, and you wish to transfer your benefits to your spouse and/or children, you MUST do it while on active duty. I was never told this and now since I’ve retired, I was told it’s too late. I’m in the process of writing to my congressman/senator as we speak.

    • chris says:

      I understand the frustration with the must be on active duty rule but it was pointed out quite specifically in the briefings I attended. In fact, many people don’t realize you incur an active duty service committment to x-fere too. Seen multiple people put off retirement so they could transfer GI bill….

  7. David Benavides says:

    This is great information for Veterans’ transitioning into the education lifestyle. I am currently a college student working for the VA office at my campus. Many Veterans’ are not aware that there is a time frame to complete their education, so having a plan on what you are pursing and researching the future projections of employment is important so they will not waste two to four years of their life. The most important task is to make sure that your paper is prepared from the VA to school your attending that way you will not be discouraged of the process. So good luck to all Veterans’ seeking higher education.

  8. Anthony says:

    Alex, Thank you for shedding some light in all of these areas. Can you give an example or two of how someone would be eligible for the extra 12 months. Thanks!-Anthony

    • Alex Horton says:

      Sure Anthony. You can be eligible if you completely use all 36 months of Chapter 30 (Montgomery GI Bill) benefits. Then you can pick up an additional 12 months through Post-9/11.

  9. Melanie says:

    I was medically retired from the Air force in 1999 and was unable to attend college due to my medical condition of Multiple Scelorosis. I am now able to attend classes at least online and I would like to know how I could go about getting an extention for my G.I.Bill benefits that I have never used. If not for me at least for my child to be able to utilize the G.I. Benefits.

  10. James says:

    The GI Bill is a fabulous tool and it is unfortunate that so many veterans do not understand the potential

  11. William says:

    Great info. I think we’ll use some of this on our website as well.

  12. The Marine says:

    I used the GI Bill to the max by finishing my B.A. in 2,5 years and am now trying to wrap up my M.S. It’s been a tough road and a little extra monthly cushion would have been nice but I’ve managed ok.

  13. DemVet says:

    Thanks for posting this GI Bill story.

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  18. allyssa persaud says:

    whatever was read was really interesting and learn alot from ways to maximize education benefits. It’s a great programme. Thanks for the help.

  19. Jay says:

    Does anyone know if I went to school for almost 2 years getting my certificate for my comp TIA A+ certificate if i can now switch and go to regular college to finish getting my psychology degree? Or is it once i go to a trade school i can only use my 9/11 bill for trade schooling? any help would be appreciated Thanks :)