Choosing The Right Education And Training
Got a career in mind? The career you choose will determine the type of program youll need. Take a look at the differences between each program and decide whats best for you.
|Degrees beyond the bachelors degree can include masters, specialist, professional and doctoral degrees|
Public Service Loan Forgiveness
Military service qualifies borrowers for one of the most popular student loan forgiveness programs Public Service Loan Forgiveness. This program forgives remaining federal student loan debt after the borrower makes 120 on-time qualifying payments after October 1, 2007 while working full-time with the military.
Payments made during military service can satisfy part of this requirement if after military separation a veteran enters a job in the public or non-profit sector that also meets the governments requirements. For the program, each of the 120 payments is counted individually, so even if there is a gap in qualifying employment, you can still add up the payments to get to 120.
Note that this program only applies to federal student loans, not private loans. As of 2019, loan forgiveness under PSLF is tax free.
The Military Spouse Employment Partnership
The MSEP was formed to help military spouses tackle the problems they face in finding reliable employment opportunities.
Facing a 26% unemployed rate and a 25% wage gap compared to their civilian counterparts, 77% of unemployed military spouses want or need work, but have difficulty securing it due to frequent relocations.
The MSEP program serves as a targeted recruitment tool for companies and an employment solution for military spouses, providing Fortune 500 Plus companies with ALL military services, and military spouses with human resource managers, as well as training and assistance to help make them more competitive, job ready applicants.
For details about the specific benefits available from MSEP, please visit my page on the Military Spouse Employment Partnership.
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Navy Student Loan Repayment Program
New enlistees to active duty service in the Navy may be eligible for Navy student loan repayment program based on their specific rating which changes based on the needs of the Navy. Enlistees additionally must enlist for at least 4 years of service, score at least the minimum required score on the Armed Services Vocational Aptitude Battery which may vary, decline enrollment in the Montgomery GI Bill in writing, and must have Loan Repayment Program guaranteed in writing in the enlistment contract.
Note that servicemembers are still eligible to earn Post-9/11 GI Bill benefits once the time spent completing the student loan repayment obligation is completed. For example, if a servicemember enlisted under a 4 year contract under the student loan repayment program, he or she would have to reenlist for another 36 months to qualify for the Post-9/11 GI Bill.
The Navy Student Loan Repayment will pay up to 1/3 of the principal loan balance or $1,500 each year for three years qualifying up to $65,000 in loan assistance. Note that this program only applies to federal student loans, not private loans.
The Coast Guard Foundation
The Coast Guard Foundation offers grants for active duty enlisted members and their spouses, it also offers scholarships to children of active duty, retired or deceased enlisted members.
- Grants for spouses of active-duty enlisted members – These grants are open to spouses of active-duty enlisted personnel, and spouses of some reservists. Grants are for $500.
- Scholarships for Coast Guard children – These scholarships are open to unmarried dependent children of enlisted active duty members, reservists on extended active duty for 180 days or more, retirees, or deceased members. Applicants must be college-bound high school seniors entering a college or technical school for the fall semester or a full-time undergraduate student already enrolled in an accredited four-year undergraduate program or technical school.
How Much College Aid Can Servicemembers Receive Through The Post
The amount of money for college depends in part on where in the US the school is and what type of degree being pursued. Also, the cost for college programs cannot be more than the maximum in-state tuition rates at a public post-secondary school. Find maximum costs for in-state tuition and fees.
The Post-9/11 GI Bill program is comprised of multiple payments. All payments and maximum amounts are applicable to individuals eligible for the full benefit . The payment and maximum amounts will be prorated based on the servicemembers eligibility percentage if he or she is not eligible for the full benefit.
Type Of School
All Tuition and Fee Payments for an in-State Student
Private or Foreign School
Up to $23,671.94 per academic year
Servicemembers, spouses, and children can also receive a monthly housing allowance based on the location they attend the majority of their classes, an annual book stipend of up to $1,000 and up to $2,000 to pay for tutorial services and certificate exams.
This stipend is based on the DoD’s Basic Allowance for Housing for an E-5 with dependents and does not require students to live on campus. However, spouses are not eligible for monthly housing allowance if their sponsor is still on active duty. For servicemembers in rural areas, there is also a $500 one-time benefit if they must relocate or travel by air to the nearest school.
Education Benefits & Employment Benefits
While there are a slew of programs offering financial assistance to military spouses, Education Benefits programs and Employment Benefits programs are by far the most popular, as well as the most valuable.
If youre interested in pursuing higher education credentials , then youre in luck, because virtually no one has access to as many benefits or as much financial assistance for school than military spouses!
Between the Tuition Assistance Program, Military Spouse Scholarships, Military Spouse Grants and the MyCAA Program, you should be able to easily qualify for tens of thousands of dollars in financial assistance, dramatically reducing your out of pocket costs for going to school.
Whether youre an Army wife or an Air Force husband, if you want to get a degree, it would be well worth your time to look into the following education benefits packages.
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Take Advantage Of The Gi Bill
Military members that have served and elected not to use their Post 9/11 or Forever GI Bill are allowed to transfer that bill to their spouse. They may transfer all or part of the bill in whatever way they choose. Keep in mind that the amount of assistance received from the bill is determined by the amount of time they served in the military.
Coast Guard Mutual Assistance
- Supplemental Education Grant – The SEG program reimburses documented educational costs specifically required by a course of study. Multiple grants may be awarded up to the authorized amount throughout the calendar year.
- CGMA Stafford/PLUS Loan Fee Reimbursement – Assistance for those who finance post-secondary education through the Federal Stafford Loan or Federal Parent Loan for Undergraduate Students . CGMA reimburses clients for the loan fee typically charged borrowers at the time funds are disbursed.
- CGMA Education Loan – An interest-free loan to help with post-secondary education expenses.
Visit the Coast Guard Mutual Assistance website to learn more.
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How To Use Your Military Spouse Education Benefits In Texas
were offering our classes in a hybrid/online teaching environment.
We are thankful and grateful for the service of our active-duty military members and veterans, and just as important is acknowledging, celebrating, and thanking military spouses and families for their service.
Pursuing further education can help you improve and grow in your career while your spouse continues theirs. As a military spouse, you are entitled to military benefits ranging from scholarships, grants, and loans to help pay for a vocational training certificate or a college degree.
Heres what you need to know about military spouse education benefits.
Active Duty Military Education Benefits
All the branches of the military offer financial assistance active duty servicemembers for college education and continuing education programs.
These educational benefits are voluntary and primarily used by the servicemember during off-duty hours. Each installation should have an education center that provides more information about the different programs that are available online and specifically in that local area.
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Military Tuition Assistance Limitations
There are some important restrictions to be aware of with regard to Military Tuition Assistance:
- You must apply for assistance at least seven days before classes begin .
- If you fail a class, you must reimburse the service for the amount of assistance provided.
- Assistance is limited to a higher degree. For example, if you already have a bachelors degree, assistance will not be available for the pursuit of a second bachelors degree or an Associates degree. However, you would be able to use it to pursue a Masters Degree.
- To maintain continued assistance, you must maintain a minimum grade point average of 2.0 for undergraduate, and 3.0 for graduate work.
The Downsides Of Being A Military Spouse
Naturally, military spouse benefits are not the only part of the military life but you probably already knew that.
While the military spouse benefit part is really helpful for any type of family and contains many more benefits than we mentioned there are a couple of other things that will really test your patience as a military spouse.
- Your spouse is honor-bound as you know, you will most likely spend quite some time apart from your spouse. This is because the military requires them to dedicate themselves to their duty, no matter what. As such, you may have to deal with deployment, work shifts during unconventional hours, service on temporary stations, including training programs, and so on.
- You may miss some holidays together the family is extremely important to a service member mainly because he/she wont be able to always be home for Christmas, for example, a case in which theyll rely on parents, and so on, to spend time with their spouse.
- You may have a hard time understanding his/Her feelings if youre not connected to the military in any way, then you will surely feel like somethings wrong when your spouse is stressed, anxious, and so on when, in fact, its because of their job. As mentioned above, family is extremely important to them as such, the best thing you can do is to keep both their feelings and type of work in mind when thinking about them.
The bottom line
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Job Benefits Of Military Spouses
Besides education benefits for military spouses, there are outstanding opportunities regarding the job benefits as well. The educational programs are excellent though job benefits are necessary in that case to create opportunities for families of the military personnel to find reliable job places and stable employment. Here you can find some of the examples concerning job benefits for military spouses.
National Defense Authorization Act
The military life can cause you to move quite often and sometimes you will need to be recertified or gain a new license due to being in a new state. Through the NDAA, military spouses can apply for up to $1000 to help in the re-license or certification due to PCS moves or relocation across the country.
This applies for anywhere in the United States or Oconus stateside.
That sums up the top benefits for military spouses pursuing an education. There are many educational benefits to look over, you just need to find the right program for you.
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A Lawyer Can Help You Determine What Benefits Veteran Spouses Get
If you are the spouse of a 100% disabled vet, it is vital to understand the benefits you can get from VA. You should also confirm what you may be eligible for if your partner is deceased or was in active service during a specific period.
A disability attorney can help you determine eligibility for various VA benefits. They may also guide you in filing a decision review process or seeking retroactive benefits. Call today for answers to your questions.
Call or text or complete a Free Case Evaluation form
Get Help Using Military Spouse Education Benefits
Want one on one guidance using your military spouse education benefits?
Do you want to get individual help using MyCAA, DEA Chapter 35, or the GI Bill?
Do you want counseling that considers your personal lifestyle, your professional goals, and your educational background?
Jeanette knows how overwhelming it can feel.
But if you know the rules of these programs, you can maximize your benefits and get the most out of it.
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Complete Guide To Military Spouse Education Benefits
Do military spouses get education benefits? The answer is a resounding yes! There are a lot of them available, including financial aid for military spouses. Between the many discounts, scholarships, and other programs, it can be challenging to keep track of all the MilSpouse benefits available to you. Plus, they all have their unique rules and requirements, which means you have to be educated on those before being educated on the topic you wish to pursue . To help make it easier and ensure you get access to as many of the military spouse education benefits as possible weve compiled information on some of those options and their requirements for you to review.
What Is A Va Survivors Pension
VA survivors pensions are payments made to spouses and dependents of deceased veterans. However, if you have remarried or earn an income higher than the eligibility limits set by Congress, you may not qualify.
Like the DIC benefits, survivors pension payments are made monthly. The amounts may also change depending on the rates set by Congress.
Since the survivors pension benefit is only available to spouses of vets who served during specific wartime periods, it is vital to confirm if your partner was in this category. Contact VA for more information about their deployment history if you are unsure.
Complete a Free Case Evaluation form now
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No One Deserves It More Than Military Spouses
While everyone is aware of the sacrifices military personnel are forced to make, very few people outside of the military understand just how much military spouses must go through to make ends meet.
From deployments to cross-country moves, to raising children, paying the bills, and taking care of business often entirely on their own, nobody works harder than military spouses.
Fortunately, in 2018, the Federal Government continues to fully fund some exceptional military spouse benefits programs, offering all sorts of financial assistance and other benefits to the husbands and wives of US military personnel.
The Transfer Of The Gi Bill Benefits
If your spouse has reached the needed time in his or her service, the GI Bill benefits obtained, can be transferred partially or totally to the spouse or the children.
Children can use these benefits until they reach the age of 26. Additionally, they might qualify for extra benefits such as a housing allowance.
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National Guard Student Loan Repayment Program
New enlistees to National Guard service may be eligible for National Guard student loan repayment assistance based on their specific Military Occupational Specialties which changes based on the needs of the National Guard and specific units. Enlistees additionally must enlist for at least 6 years of service, score at least a 50 or higher on the Armed Services Vocational Aptitude Battery , must not be dual-enlisting via another program, and must have Loan Repayment Program guaranteed in writing in the enlistment contract.
Members of the National Guard could receive up to $50,000 in military loan forgiveness. Additionally, anniversary SLRP payments will not exceed 15 percent or $500 of the initial disbursed amounts that were approved upon the date of enlistment, affiliation, re-enlistment or extension, to include accrued interest. This information is variable so the most up-to-date details can be obtained by talking to a National Guard Recruiter.
Servicemembers with prior experience from any branch may also qualify for the Student Loan Repayment Program if it was not already used. In order to qualify though, new enlistees must join the Guard within 365 days of separating from active duty and must be under 16 years of total service.
Coast Guard Mutual Assistance Supplemental Education Grant
The CGMA program is designed for coast guard spouses that are seeking a college degree, technical training certificate, or a vocational degree. The assistance programs offer financial assistance by reimbursing spouses rather than paying upfront for their education.
Lets move on and go over some scholarship programs that are designed specifically for helping military spouse education.
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Military Student Loan Benefits
When it comes to military education benefits, they dont stop at getting funds to pay for school at its happening, but also include help paying off student loans for servicemembers. Among the best of these student loan programs is loan forgiveness and repayment options.
It is important to note that with some these military loan payment programs, payments are subject to federal and state income taxes as taxable income in the year repayment is disbursed. DFAS will send a W-2 Form separate from the W-2 Form received for military pay. Since these loan payments are considered income, a percentage of the payment will be withheld for income taxes to help prevent a large tax bill at the end of the year.