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    The Military Smartbook for Defeating Student Debt
    The Military Smartbook for Defeating Student Debt
    The Military Smartbook for Defeating Student Debt
    Ebook122 pages1 hour

    The Military Smartbook for Defeating Student Debt

    By SALT

    ()

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    About this ebook

    State and federal governments do a ton to help members of the Armed Forces manage education costs. Unfortunately, it sometimes feels like these benefits wear camouflage.

    At SALT, we think it should be easy to see these options clearlyâ so we created "The Military Smartbook For Defeating Student Debt," a comprehensive guide to education benefits for servicemembers, veterans, and their families.

    To help these individuals pay for college, repay student loans, and receive additional education and training, this book details:

    Federal programs, like the GI Bill and the Yellow Ribbon Program.

    Benefits from more than 40 different states, as well as Puerto Rico and the U.S. Virgin Islands.

    How to apply for any of these options.

    Download your copy for free and learn more about how SALT helps young people borrow less, borrow smart, and repay their loans at saltmoney.org.
    LanguageEnglish
    PublishereBookIt.com
    Release dateApr 26, 2016
    ISBN9781456626037
    The Military Smartbook for Defeating Student Debt

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      Book preview

      The Military Smartbook for Defeating Student Debt - SALT

      owners.

      Part One: Introduction

      So, What Is This Thing?

      In short, we made this eBook to put servicemembers and veterans at ease when it comes to paying for their educations. (You guys like puns, right? We hope so, because we sort of can’t help ourselves sometimes.)

      Why We Created It

      At SALT®, we’re incredibly thankful for the work done by every member of the U.S. Armed Forces—both past and present. And while we can only imagine what you have overcome to support our country, we do understand one thing that many people, including members of the military and their families, struggle with: paying for college.

      State and federal governments do a ton to help members of the Armed Forces manage these costs. Unfortunately, it sometimes feels like these benefits are wearing camouflage. We think it should be easy for you to see these options clearly.

      So, consider this book your artillery. Use it to cut right to the information you need—and to extract the benefits you have earned and deserve.

      Using This eBook

      To help you discover, access, and learn more about higher education options that may be available to you, we split each benefit into the following sections:

      • The Basics: Your basic training—whom the benefit is for, and what it is.

      • The Details: The nitty-gritty information that will help you determine whether an option is right for you.

      • The Next Steps: Your marching orders for receiving a benefit.

      We’ve pulled together everything we could find for federal and state-based programs. And at the end of this book, we charted just the federal options, so you can easily see which you may be eligible for and compare your choices. We also included links to available state veterans’ affairs websites, to help you learn more about these options.

      We know there’s a lot here, and we tried to organize it all in as straightforward a fashion as possible. Still, be sure to use the table of contents and search function to help you navigate between everything.

      One Final Note

      Please keep in mind that this book may not be all-inclusive. We included all the options we could identify, but there certainly could be others. If you find them, please let us know at ebook@saltmoney.org.

      In addition, the terms of these programs may change. We will review this book periodically (check the cover for the date of our most recent update); however, talk to the people we mention, visit the sites we link to for each program, or check out the state veterans’ affairs websites in Appendix B to find the most up-to-date requirements.

      All right, now that that’s all out of the way, forward march! (Last pun, we swear.)

      If you like this book and want to learn more about paying for college, check us out at saltmoney.org.

      Part Two: Servicemember Benefits

      Chapter One: Paying For College

      Federal Programs

      Military Tuition Assistance (TA)

      The Basics

      • For active duty servicemembers.

      • Covers up to 100% of your tuition and fees, depending on your branch of the military.

      The Details

      TA helps servicemembers cover their college costs, but it is not a loan. TA is money that you earn—just like your base pay. Its benefits vary by military branch.

      • Army TA is available to soldiers who successfully complete their first year of service after graduating from either Advanced Individual Training (AIT), Officer Candidate School (OCS), or Basic Officer Leaders Course (BOLC). You may receive up to $250 per semester hour for up to 16 semester hours of TA funding per fiscal year. TA can be used for a second, higher level post-bachelor’s degree after completing 10 years of service. You can request TA by going to GoArmyEd.com .

      • Navy TA is available to Naval Officers, Naval Enlisted active duty, and Naval Reservists on continuous active duty. If you are an officer, you would need to agree to remain on active duty for at least 2 years after completing your funded courses. You may receive up to 100% of your tuition and fees, $250 per semester credit hour, $166 per quarter credit hour, and attend a maximum of 16 semester or 24 quarter hours a fiscal year. Contact your Navy College Office to apply.

      • Air Force TA is available to all active duty Air Force members. It covers up to 100% of your tuition and fees, $250 per semester credit hour, $166 per quarter credit hour, and up to $4500 per fiscal year. You can apply online at the Air Force Portal .

      • Marines TA is available to all active duty servicemembers. You may receive up to 100% of your tuition and fees, $250 per semester credit hour, $166 per quarter credit hour, and up to $4500 per fiscal year. You can apply online for TA through the WebTA .

      • Coast Guard TA is available to active duty who are E-6 or below at the start of the academic course or reservists on long-term ADOS or EAD that meet the rest of the criteria. You may receive up to 100% of your tuition, $250 per semester credit hour, $166 per quarter credit hour, and up to $4,500 per fiscal year. You can apply for TA through the e-TA system .

      The Next Steps

      This will depend on your branch of the military. See the section above for specific actions to take.

      Post-9/11 GI Bill

      The Basics

      • For active duty servicemembers and veterans, and their families.

      • Covers up to 36 months of education benefits.

      The Details

      The Post-9/11 GI Bill provides up to 36 months of education benefits, generally payable for 15 years after your release from active duty for servicemembers who have at least 90 days active duty service after September 11, 2001 and are still on active duty, or are an honorably discharged

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