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If you're a veteran planning to head back to school or start job training, the Post-9/11 GI Bill-also known as Chapter 33-could cover most of your education costs. But how much you receive depends on how long you served on active duty.
Veterans who didn't serve the full 36 months of active duty may still be eligible for a significant portion of GI Bill benefits. In fact, those who served between 910 and 1,094 days (roughly 30 to 35 months) qualify for 90% of the total benefit package.
That means you could get nearly full coverage for public, in-state tuition, a housing allowance based on your school's location, and money for books and supplies-all without hitting the 3-year service mark.
Understanding the 90% Tier: Why It Matters
The Post-9/11 GI Bill breaks eligibility into "tiers," based on total time served. While the full benefit goes to those who served 36 months or more, each step down still opens up substantial . The 90% tier is the second-highest level, and it makes a real difference in out-of-pocket costs.
You can use these benefits for college, vocational training, or other approved programs. Most veterans receive up to 36 months of coverage, and some may qualify for more under special circumstances. If you're planning to relocate for school and live in a rural area, there's even a one-time moving allowance.
What You'll Need to Apply
Applying is straightforward but requires a few important documents:
- Your Social Security number
- Your military service history
- Info about your school or training program
- Bank info for direct deposit
- Education background
Once you've gathered everything, you can apply online through VA.gov, by mail, or in person at a VA regional office.
And if you're wondering whether your program qualifies, the GI Bill Comparison Tool can help you explore schools, tuition rates, and housing benefits before applying.
The GI Bill has been helping veterans access education since 1944, and it continues to be one of the most powerful tools for building a post-service future. Whether you served a few years or made the military your career, there's likely something here for you.
For more detailed breakdowns of current tuition rates and benefit caps for private institutions, check the VA's 2024-2025 GI Bill rates.