Check with your Education Service Officer well in advance of separating, to make sure you don’t lose your ADMGIB benefits!
College Loan Repayment and the ADMGIB
Federal law prohibits the VA from paying benefits under the College Loan Repayment Program and the ADMGIB for the same enlistment period. Additionally, the ADMGIB law states that if one declines the ADMGIB, in writing, they are not eligible for the benefit.
The military services require one to officially decline the ADMGIB, in writing, in order to participate in the College Loan Repayment Program (CLRP). However, there are thousands of service members who fell through the crack: the services didn’t require them to sign a statement declining the ADMGIB in basic, and they still participated in the service’s college loan repayment program.
If you didn’t decline ADMGIB, and received loan repayment, you can still be eligible for ADMGIB. But the months counted toward your loan repayment will be subtracted from your total months of ADMGIB benefits.
The maximum number of months you receive under ADMGIB is 36. So, if the military service made three annual payments toward your college loan, this would leave you with no ADMGIB entitlement. If the military made two annual payments toward your loan repayment, you could still have 12 months of ADMGIB entitlement.
However , if you received loan repayment for one period of active duty, you can still be eligible for up to 36 months of benefits based on another period of active duty, as long as you haven’t declined ADMGIB.
The VA uses the term "entitlement" to mean the number of months of benefits you may receive. Under the ADMGIB, one is entitled to 36 months worth of full-time benefits. Therefore, to find the maximum entitlement, one takes the maximum monthly payment and muliplies it by 36.
If you use your ADMGIB after separation from the military, you would receive the following monthly payments while attending college:
Enlistment Period of Three or More Years:
- Full Time Student: $1,321.00 per month
- 3/4 Time Student: $990.75 per month
- Half Time Student: $660.50 per month
- Less than 1/2 time but more than 1/4 Time: $660.50
- 1/4 time or less: $330.25
Enlistment Period of Less than Three Years:
- Full Time Student: $1073.00 per month
- 3/4 Time Student: $804.75 per month
- 1/2 time Student: $536.50
- Less than 1/2 time but more than 1/4 Time: $536.50
- 1/4 time or less: $268.25
Full time generally means taking at least 12 credit hours in a term or 24 clock hours per week. 3/4 time generally means taking at least 9 credit hours in a term or 18 clock hours per week. Half time generally means taking at least 6 credit hours in a term or 12 clock hours per week. 1/4 time generally means taking at least 3 credit hours in a term or 6 clock hours per week.
For approved programs in college and vocational or technical schools, basic payments are monthly and the rates are based on your training time. When you train at less than half time, you’ll be paid tuition and fees. But if tuition and fees amount to more than you would be paid at the half-time rate (or the quarter-time rate if you’re training at quarter-time or less), your payments will be limited to the half-time (or the quarter-time rate).
For on-the-job training (OJT) and apprenticeship programs, rates are monthly and based on your length of time in the program. Your MGIB rates decrease as your wages increase according to an approved wage schedule.
For correspondence courses, you receive 55% of the approved charges for the course.
For flight training, you receive 60% of the approved charges for the course.
For reimbursement of tests for licenses or certifications, you receive 100% of the charges up to a maximum of $2,000 per test.
The basic monthly rates increase October 1 every year with the Consumer Price Index (CPI) increase. They may increase at other times by an act of Congress
Increases Above Basic Rates
You may qualify for the following increases above your basic monthly rates. These increases don’t apply to correspondence courses, the test for a license or certification, or flight training.
College Fund. Your branch of service may offer the College Fund. The College Fund money is an additional amount of money that increases your basic MGIB monthly benefit and is included in your VA payment.
Important: You can’t receive your College Fund money without receiving ADMGIB. A common misunderstanding is that the College Fund is a separate benefit from ADMGIB. The College Fund is an add-on to your ADMGIB benefit.
Increase based on contributions you make up to $600. There was a period of time between 1 Nov 2000 and 1 May 2001 where active duty members were allowed to contribute up to $600 extra to their MGIB fund. Those who chose to do so receive $3.00 in additional education benefits for each $1.00 paid. So, if someone kicked in $600 during this period, their maximum education benefits would be increased by $1,800.