Post - 9/11 GI Bill and Yellow Ribbon Programs

12/07/2009   
 

A lot of excitement is being generated about the new Post – 9/11 GI Bill (Chapter 33) Education Benefit. Since service members may qualify for multiple education benefit programs, including: MGIB-AD (Chapter 30), MGIB-SR (Chapter 1606), REAP (Chapter 1607) and VEAP, deciding which program to chose can be difficult. But, you will no longer be eligible for the MGIB or other programs if you elect to switch to the Post 9/11 GI Bill.

Scenario #1: Public University / In-State Tuition and Fees
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $5,800 N/A
Tuition and Fees Charged by University $4,000 $4,000
VA pays on Veteran’s Behalf $4,000 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books and supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition & Fees paid by Veteran $0 $4,000
Net to Veteran $4,500 $1,884
Scenario #2: Public University / Out-of-State Tuition & Fees
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $5,800 N/A
Tuition & Fees Charged by University $10,850 $10,850
VA pays on Veteran’s Behalf $5,800 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books & supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition and Fees paid by Veteran $5,050 $10,850
Net to Veteran -$ 550 -$ 4,966
     
Scenario #3: Public University / Veterans pay No Tuition or Fees
Program Post-9/11 GI Bill MGIB
Highest in-state tuition N/A N/A
Tuition & Fees Charged by University $0 $0
VA pays on Veteran’s Behalf $0 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books & supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition and Fees paid by Veteran $0 $0
Net to Veteran $4,500 $5,884
     
Scenario #4:
Private University / Tuition & Fees Higher than State Tuition Cap
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $5,800 N/A
Tuition & Fees Charged by University $10,000 $10,000
VA pays on Veteran’s Behalf $5,800 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books & supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition & Fees paid by Veteran $4,200 $10,000
Net to Veteran $ 300 -$ 4,116

 
   
Scenario #5: Private University / Tuition & Fees Higher than State Tuition Cap School participates in Yellow Ribbon Program
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $5,800 N/A
Tuition & Fees Charged by University $10,000 $10,000
VA pays on Veteran’s Behalf $5,800 $0
Yellow Ribbon – School Contributes 50% of Remainder $2,100 $0
Yellow Ribbon - VA pays 50% on Veteran’s Behalf $2,100 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books & supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition and Fees paid by Veteran $0 $10,000
Net to Veteran $4,500 -$ 4,116
     
Scenario #6: Public University – Distance “on-line��� Program
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $5,800 N/A
VA pays on Veteran’s Behalf $4,000 $0
Housing allowance N/A N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books & supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $ 500 $5,884
Tuition & Fees paid by Veteran $0 $ 4,000
Net to Veteran $ 500 $ 1,884
     
Scenario #7: Public University / Low Tuition & Fees    
Program Post-9/11 GI Bill MGIB
Highest in-state tuition $3,065 N/A
Tuition and Fees Charged by University $3,065 $3,065
VA pays on Veteran’s Behalf $3,065 $0
Housing allowance ($1000/month for 4 months) $4,000 N/A
MGIB monthly rate ($1321/month for 4 months) N/A $5,284
Books and supplies $500 N/A
MGIB $600 buy-in ($150/month for 4 months) N/A $600
Benefit paid Directly to Veteran $4,500 $5,884
Tuition & Fees paid by Veteran $0 $3,065
Net to Veteran $4,500 $2,819

NOTE: If you are eligible for other education benefits and elect to participate in the Post 9/11 GI Bill, you may use benefits under these programs ONLY if the type of educational assistance [flight, correspondence, APP/OJT, preparatory courses, and national tests] you wish to pursue is not available under Chapter 33.

Since the length of active duty served after 9/11 determines the tier level of benefits, some additional factors to consider in electing which program is best for you are: state of institution, tuition and fees, state vs. private institution, rate of attendance, and type of training.

Percentage of Benefit Eligibility

 

 

 

 

  • -100% - 36 months or more
  • - 100% - 30 or more consecutive days with Disability related Discharge.
  • - 90% - 30 months or more
  • - 80% - 24 months or more
  • - 70% - 18 months or more
  • - 60% - 12 months or more
  • - 50% - 6 months or more
  • - 40% - 90 or more days

For example, an individual with 5 months of qualifying service could receive 40% of the tuition benefit, 40% of the monthly housing allowance, and a maximum of $400 books and supplies stipend. Depending on each individual’s situation, additional benefits could include the College Fund (“kicker”) payments, a Rural benefit payment and a Yellow Ribbon benefit. Each payment is issued separately, with some payments made directly to the school and others issued to the individual.

Tuition and Fees: Payments are issued to the school on behalf of the individual at the time the certificate of enrollment is processed.

Monthly Housing Allowance: Payment is issued directly to the student at the beginning of each month for education and training pursued the previous month. Payable at E5 w/ dependents rate at zip code of school.

 

The Yellow Ribbon Program is a benefit authorized under the Post-9/11 GI Bill, which allows degree-granting institutions to enter into a voluntary agreement with the VA to fund tuition expenses that exceed the highest public in-state undergraduate tuition rate for individuals eligible for the 100% payment tier.

NOTE: Active duty personnel are eligible for the Post-9/11 GI Bill monthly allowance.

 

Books and supplies stipend: Payment is issued directly to the student when the school certifies and VA processes the enrollment. Stipend may be up to $1, 000 a year. NOTE: Active duty are not eligible for the books and supplies stipend.

Yellow Ribbon payments: The Yellow Ribbon Program is a benefit authorized under the Post-9/11 GI Bill, which allows degree-granting institutions to enter into a voluntary agreement with the VA to fund tuition expenses that exceed the highest public in-state undergraduate tuition rate for individuals eligible for the 100% payment tier. The institution can contribute up to 50% of those expenses and VA will match the same amount as the institution. This payment is issued to the school when the school certifies and the VA processes the student’s enrollment. (See Yellow Ribbon Program @ http://www.gibill.va.gov/GI Bill Info/CH33/Yellow ribbon.htm for details on this program.)

College Fund or “kicker”: Payments are issued directly to the student based on “rate of pursuit” (full-time or part-time study) and the education benefits program under which the kicker is payable. Post-9/11 GI Bill kickers will be issued monthly with the housing allowance; and other kickers will be issued in a lump sum when the student’s enrollment certification is processed.

Rural Benefit payments: This one-time, lump-sum payment of $500 is issued directly to a student who resides in a county with six persons or fewer per square mile and who

either:

  • physically relocates at least 500 miles to attend an educational institution, or
  • relocates by air (any distance) to physically attend an educational institution, if no
  • other land-based transportation exists.

See scenarios 1-7 for Post -9/11 GI Bill vs. MGIB Payments.

 

 

 

 

As you can see from the scenarios, programs and payment amounts vary based upon each scenario. Before selecting the VA education benefit best suited for a specific individual, consider these additional questions:

  • Which benefit pays the individual more?
  • What Post-9/11 GI Bill tier is the person eligible for?
  • What type of training will be pursued (i.e., bachelor’s degree, flight training, on- the-job, etc.)?
  • Will the individual be a member of the Armed Forces on 1 August 2009?
  • Is s/he eligible for Transfer of entitlement? Does s/he want to transfer entitlement?
  • Does the individual have remaining entitlement under other VA Educational Programs?

The Post-9/11 GI Bill is the most revolutionary and comprehensive education benefit since the original GI Bill was implemented in 1944. And like the original GI Bill which provided millions of veterans the opportunity for higher education, the Post-9/11 GI will have a broader impact upon veterans and their dependants in the advancement of their higher education. So deciding which program to chose may not be a simply decision, but the aforementioned information may help you arrive at a win-win decision.

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