Montgomery GI Bill User's Guide

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The Montgomery GI Bill (MGIB) is an older GI Bill program that differs greatly from the Post-9/11 GI Bill. Click here to learn more about Post-9/11 GI Bill.

Your GI Bill can be used to pay for many different programs including the following:

The Montgomery GI Bill is an education benefit worth over $79K. This amount is based on the 2022-2023 monthly full-time student payment rate of $2,210.00 multiplied by the 36-month limit. This "payment rate" automatically increases on the first of October each year. You get the annual increase no matter when you became eligible or begin using it.

The term "36 months of benefits" refers to academic months - time actually enrolled at the full-time rate of pursuit.  This means you will have up to 8 semesters (four years) of traditional academic education.

Note: Your actual benefits may be higher if you signed up for the Army, Navy or Marine Corps College Funds.

MGIB Eligibility

You qualify for the GI Bill if:

  • You contribute $100 a month for the first 12 months you are in active duty, or qualify under VEAP conversion.
  • You have completed High School or have an equivalency certificate before you apply for benefits.
  • You have served at least 2 years on active duty.

Check out the GI Bill Eligibility Fact Sheet for more details.

Your MGIB Payment Rate - How Much You Get

Your GI Bill monthly payment rate is determined by two factors: your student status (full time, half time, or part time) and your duty status. In most cases you would be considered a full time student if you are taking 12 or more credits per semester.

If you are on active duty the GI Bill will only reimburse you for the actual tuition and expenses. But once you leave active duty service the GI Bill will pay the full payment rate no matter how much the tuition costs. Click here to see the current GI Bill payment rates.

When To Use The GI Bill

If you are eligible for the GI Bill you can begin using your benefit after 2 years of service. In addition it is also important to know that the GI Bill has an expiration date. You have 10 years from your last discharge to use the GI Bill or lose it. That means that any benefit remaining after the tenth anniversary is lost and you will not be reimbursed for the $1,200 initial contribution. Note: Only VA representatives can answer specific questions about your GI Bill account. You can reach them at 888-GIBILL-1.

How to Apply - Step-by-Step Application Instructions

Although the GI Bill application process can be time consuming it is relatively easy and worth the time invested. In most cases the process will take you 4 steps, or less!

Step One

Find a school that has VA approved training or education programs. Be sure to ask the admissions counselor if the school meets the requirements to use the GI Bill. 

Note: Most regionally and nationally accredited colleges and universities have VA approved programs.

Step Two

Complete the Application for Education Benefits

Step Three

Enroll in school and verify that the school submits your enrollment information to the VA.

You can apply for the GI Bill without being enrolled in school, and many cases this is best. When you choose a school you can take your eligibility notification from the VA to your school when you enroll. This can sometimes speed up the receipt of your benefits.

Within 4-8 weeks you should receive a declaration of eligibility and a letter explaining your GI Bill benefits. Keep in mind that it is not uncommon to get a letter from the VA requesting more information. 

Step Four

Once you are enrolled you will get a letter from the VA explaining your benefits and how to receive payment. For the Montgomery GI Bill you will have to verify to the VA that you are attending school each month before you are paid. You can do this online or via telephone.

Keep Up With Your Education Benefits 

Whether you need a guide on how to use your GI Bill, want to take advantage of tuition assistance and scholarships, or get the lowdown on education benefits available for your family, can help. Subscribe to to have education tips and benefits updates delivered directly to your inbox.

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