CollegeCan The Navy Pay For My College

Can The Navy Pay For My College

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How To Join The Military After College

How the Military Can Pay For College | ROTC Program

After deciding that joining the military after college offers a promising path, many students still have questions about the logistics of such a plan. This section reviews common general requirements alongside the steps students take to join. When reading these, remember that different branches vary in terms of how they enable college graduates to join, but some similarities can be applied across the board.

Will The Military Pay For My Spouse To Go To College

You may be wondering if the US Military will pay for your spouse to go to college and/or what kinds of programs are out there that may help. And there are quite a few! Spouses and family members actually make up 25 percent of those benefiting from VAs education programs. In fact, you may find that you are eligible for more than one benefit or that one may be more suited to you and your specific education goals.

Below I have listed some information on some of the educational programs that the US Military has available to you and your spouse/family. Grab a pen and paper to take some notes, you may as well get some practice in, or go ahead and bookmark this page. Lets get started!

Post 9/11 GI Bill

The Post-9/11 GI Bill offers higher education and training benefits to Veterans, Servicemembers, and their families who served after Sept. 10, 2001. It allows members of the military to transfer all or part of their education benefits to help cover the cost of education for their spouse or dependent children. Read more about the Post 9/11 GI Bill.

There are two main GI Bill programs offering education assistance to survivors and dependents of Veterans:

1.The is available for children and spouses of Servicemembers who died in the line of duty after September 10, 2001.

Also, there may be some changes coming to the GI Bill in the future that may have consequences for your family. You can read a little more about how GI Bill changes may affect military marriages.

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STAP

CGMA

Keep An Eye On Budget Cuts

As you start to look into military education benefits, you may find that more financial options existed during the surge.

Since the GI Bill is a benefit, not an entitlement, transferability may hit the chopping block due to sequestration and other budget cuts.

For example, over 4,000 soldiers lost their GI Bill transferability in January 2013. If it makes sense for your family to look into GI Bill transferability, don’t wait another day. Start your application now.

While the options are fewer, these benefits are still yours. Take advantage of those that apply to you while you still can.

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Do Dual Credit Courses Count Toward College Enrollment

Dual enrollment allows high school students to take college classes while they are still enrolled in high school. These classes count for both high school and college credit. High school students who complete dual enrollment classes generally take fewer classes in college and save money on total college costs.

So Should You Join The Military

Army

When you took out these loans, you made a commitment to pay the lender. Should you join the military to ditch your student loans? Is it ethical to change the terms of your commitment with reduced payments or even forgiveness?

Consider what youre doing to qualify for deferment, SCRA, IBR, and PSLF youre risking your life to serve your country. Sure, youre getting a steady paycheck and good benefits, too, but youre also volunteering for the original meaning of the term survivor bias. These programs look like a pretty sweet deal when youre facing five or six figures of debt, and the military may seem like one of the easiest employers to sign up for.

While the military offers plenty of options for paying or eliminating your student loans, you have other options. You should have more reasons to join the military than just the student loan assistance. Join the military for the chance to:

  • Realize your potential.
  • Be part of something bigger than yourself.
  • Lead incredible teams to reach amazing goals.
  • Have more authority and responsibility in your 20s than your civilian counterparts will ever see.
  • Learn skills that will last you for a lifetime.
  • Test yourself beyond what you would ever believe you could handle.

But dont join the military just to get rid of your student debts. Once youve signed up for the obligation, the debt may not be enough motivation to keep you going.

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How Many Colleges Are There In Washington State

Washington state is home to six public four-year colleges and universities and more than 300 independent colleges, universities and career schools. The colleges and universities listed below offer bachelors degrees and are regionally accredited by the Northwest Commission on Colleges and Universities .

What Obstacles Do Active

Active duty servicemembers always face the chance of deployment. What if a student starts classes and then gets deployment orders, orders to go to training, or are temporarily assigned elsewhere? Spittler says NU has military-friendly policies in place to help their students navigate such issues.

Active-duty servicemembers also may have irregular schedules that make even online education difficult to sustain, such as 24-hour shifts, followed by an immediate call back to work.

Not all military work is from 7 a.m. to 3 p.m., which are typical military hours, she says. Advisors are available when these students need options and solutions. Sometimes military students need to drop a class, but again, the four-week monthly start format of National classes provides many opportunities for students to jump back in when they are ready. Other students may need to drop classes for a period of time when their annual Tuition Assistance runs out or when they cant afford the books required for a class.

Spittler says that advisors will tell students in this situation, Thats OK, well check in with you in a couple of months. You can let me know where youre at.

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Public Service Loan Forgiveness For Military

The Public Service Loan Forgiveness program is a little-known benefit that can help you pay off your student loans. You can have your federal student loans forgiven after 120 qualifying payments and there are no limits on the amount that can be forgiven.

Military service qualifies under the qualifying employment guidelines.

How to Apply for Public Service Loan Forgiveness:

You can fill out the employment certification formor access our free assessment to see if you qualify.

Fy 2021 Navy Tuition Assistance Benefits Updates

The Military Is Paying For College

The following rates are effective immediately and are in place from October 1, 2020, through September 30, 2021. The rates after that will depend on the approved Navy budget.

2021 Tuition Assistance Rates: The Navy Tuition Assistance Program pays for 100% of up-front costs associated with tuition and fees for course enrollments, up to the following rates:

  • $250.00 per semester hour, or
  • $166.67 per quarter hour, or
  • $16.67 per clock hour, AND
  • Max Benefit Per Fiscal Year: $4,500
  • Limited to a fiscal year cap of 12 semester hours, 18 quarter hours, or 180 clock hours . The fiscal year cap applies to both TA and Navy College Program Afloat College Education DL combined.
  • Limited to a lifetime cap of 120 semester hours, 180 quarter hours, 1800 clock hours . The lifetime credit cap applies to both TA and NCPACE DL combined.

Note: The Navy often adjusts the annual credit hour limit. The previous rules had no cap, while others capped tuition assistance benefits at a maximum of 16 Semester Hours per Fiscal Year.

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College Benefits For Veterans

The original GI Bill of Rights sent millions of World War II veterans off to college in the 1940s and ’50s. Since then, generations of vets have benefited from that program and its successors.

Today there are multiple versions of the GI Bill:

  • The Montgomery GI BillSelected Reserve , described above
  • The Montgomery GI BillActive Duty
  • The Post-9/11 GI Bill

Still in the process of being implemented is the Forever GI Bill , which further expands many benefits.

Veterans who were honorably discharged may be eligible for either the Montgomery GI BillActive Duty or the Post-9/11 GI Bill. The Department of Veterans Affairs states that veterans with multiple periods of service who are eligible for both must choose one or the other and that their decision is irrevocable.

However, a recent court ruling says eligible vets do not have to choose between the two bills. If that decision holds, it could allow a qualifying veteran to receive benefits from one GI bill for the maximum of 36 months and then use the other GI bill to receive additional months of benefits. The decision is pending a possible appeal by the VA, so stay tuned.

How Military Spouses Pay For College

You made the decision to go back to school and retool. Good on you. But you are a military spouse. You and your service member have the rent, a car loan, some credit card debt and maybe only one income.

How do you pay for college when you haven’t got a dime?

The good news is that military spouses are eligible for military benefits as well as programs available to civilians. With our guide to paying for school, you’ll be cracking those books in no time.

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Will The Military Pay Off Your Student Loans

Military student loan repayment, forgiveness, or assistance programs vary depending on the branch of service and may be subject to change depending on Congress, program start and end dates, and other variables.

What follows is current at the time of this writing but you will need to check with the Education Office, Personnel Center, or other appropriate agency depending on your branch of service to see what is being currently offered.

The United States Army offers the Loan Repayment Program for service members who sign up as new recruits for three years or more into active duty. Some other requirements of the Armys LRP include :

  • The soldier must have Loan Repayment Program guaranteed in writing in the enlistment contract
  • The soldier must have a high school diploma
  • A score of 50 or higher on the Armed Services Vocational Aptitude Battery is required
  • The new recruit is required to enlist in one of the critical MOSs that qualifies for the program .

Under this program the soldier is required to disenroll from the GI Bill, which is a very important factor to consider when exploring options under LRP, which is intended only for student loans made, insured, or guaranteed prior to entry on active duty and the student loans must meet certain qualifying criteria that include but may not be limited to the following:

Join The Military & Drastically Cut The Cost Of College

Interested In Joining The Armed Forces? Service Academies ...

1.) Join the armed forces after high school and work on your college degree while youre on active duty.2.) Start college as a civilian , graduate with your associate or bachelors degree and become a military officer.3.) Serve in a military reserve branch or the National Guard while youre in college.4.) Apply as a student in a military academy.

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Other Types Of National Guard College Pay Programs

The Army National Guard has additional financial assistance programs for its members.

The Reserve Officers Training Corps scholarships can help finance your higher learning. There is a wide range of merit-based scholarships and additional funds available through the U.S. Armed Forces.

Related Article:17 Scholarships For Military Children, Spouses, and Veterans

Already attended college but still paying back student loans?

The National Guard supports a student loan repayment program known as SLRP. It directly supports soldiers and officers with existing student loan debt at the time of enlistment.

SLRP may pay for up to $50,000 in college debt for certain jobs, which is incredible. There are additional requirements so a local recruiter can help with the details regarding the obligation.

The Guard is particularly kind to those that extend their enlistment contracts for a minimum period of six years. The incentive can help cover previous undergraduate tuition, graduate school, medical school expenses.

The Montgomery Gi Bill

The MGIB sends monthly checks directly to eligible students for their schooling however, students under this program do not qualify for housing allowance or book stipends. They cannot apply for additional funds through the Yellow Ribbon Program either.

MGIB Active Duty

For vets who have served at least two years of active duty, the military pays for college through the MGIB-AD. If you qualify, youll receive up to 36 months of education benefits. The amount you receive depends on:

The $600 Buy-Up program is an opportunity for active-duty service members to increase the benefits from their MGIB-AD. You can make additional contributions in $20 increments, with each $20 increment resulting in a $180 increase to your total 36-month benefit. This could increase your total benefits by $5,400!

MGIB Selected Reserve

Vets who have chosen the MGIB-SR can receive up to $384 per month for tuition, up to 36 months. This path is open to members of the reserve and National Guard forces who have met the following criteria:

  • Finished a six-year obligation to serve in the Selected Reserve or Guard
  • If you are an officer, agree to serve six years in addition to your original obligation
  • Complete your initial active duty for training
  • Receive a high school diploma or equivalency certificate before completing the IADT
  • Remain in good standing throughout your service in an active Selected Reserve unit

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About Gi Bill Benefits

GI Bill benefits help you pay for college, graduate school, and training programs. Since 1944, the GI Bill has helped qualifying Veterans and their family members get money to cover all or some of the costs for school or training. Learn more about GI Bill benefits belowand how to apply for them.

If you applied for and were awarded Post-9/11 GI Bill education benefits, your GI Bill Statement of Benefits will show you how much of your benefits youve used and how much you have left to use. View your GI Bill Statement of Benefits.

The GI Bill Comparison Tool and Veterans Service Organizations can help you explore options and find out what benefits you can get. Find a Veterans service organization.

  • If you have unused Post-9/11 GI Bill benefits, find out if you can transfer your benefits to your spouse or dependent children.

Army Nurse Corps Loan Repayment And Bonus

How DOD SMART Scholarship CAN pay for your college! (FREE)

The Army Nurse Corps is responsible for taking care of Army servicemen and women all over the world. Their outstanding work is essential to the Army, and therefore, in high demand.

To attract a high caliber of nurses to work in the Army Nurse Corps, theyve put together a lucrative package to entice military nurses to enlist. A bonus to joining the Army as a military nurse is the opportunity to work alongside the talented doctors and medical professionals currently serving.

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Does Failure Require Paying Back Navy College Fund Money

Failing a class in college can feel traumatic, and someone who receives money from the Navy College Fund and their Montgomery GI Bill might wonder whether their failure in a class will cause a problem with their kicker. Fortunately, failing a class doesnt necessarily mean that the student must pay back his or her NCF money or money from the GI Bill.

As long as the student doesnt drop the class and keeps attending classes throughout the semester, the money doesnt need to be repaid. However, if the student decides to drop the class and falls below full-time status at the school, he or she might need to pay back some of the money received for tuition. Sometimes, the best option for the student is to remain in the class and take the failing grade rather than risk dropping to half-time status and having to pay back the money.

One of the benefits of the GI Bill and the Navy College Fund program is that there are opportunities to receive free tutoring where the student will receive money to pay for the tutor as long as the professor agrees that a tutor can help the student pass the class. If there is any chance that the student may pass the class with additional help, it may be beneficial to seek out a tutor rather than drop the class and risk the financial penalty.

Military Student Loan Repayment

Lets assume you read the last few paragraphs and verified that your loans are eligible for the military to help you pay them back.

Before you read on, download this 12-page PDF military report from the Consumer Financial Protection Bureau. Its written by CFPBs Officer of Servicemember Affairs, and a handy chart on the third page summarizes the options described below.

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Consider The Military Before You Start College

If you just started college then there are plenty of other ways to get a college degree from the military without student debt. One way is attending a service academy, although thats not necessarily the best option.

In every state the Reserve Officers Training Corps runs a great program on high school and college campuses that offers students up to four years of tuition & fees along with a monthly stipend, and ROTCs first year is totally free of obligation.

If youre even mildly curious about military service then this is a great way to try before you buy. If youre already in college then you may still be able to persuade ROTC to pay for the last year or two of your education go find your campus unit and talk to their staff.

If youre not quite ready for college but you think youre ready for the military*, then once youve completed initial military training you can start exploring your college options. The military will help pay for your college classes with tuition assistance, although youll be doing this on your own time and with a number of restrictions. It may be cheap but you have to be motivated. If you just cant make it work while youre on active duty, then the GI Bill will pay for your college degree after the military. This is a great program, too, but why wait until after the military?

Now lets get back to the main subject: paying off your student loans.

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