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With Only One Year Left on My MGIB, How Much Can I Get under the Post 9/11 GI Bill?

Author Ron Kness is no longer in the service.

Q: I used two years of the Montgomery GI bill and I finished my Masters, I just applied for the post 911 GI Bill so how many years am I entitled to?

A: I wish you would have asked your question before you switched. According to the rules of the Post 9/11 GI Bill, now all you will get is the last year you had left under the MGIB and not any additional time under the Post 9/11 GI Bill.

However, if you would have exhausted that last Montgomery GI Bill (MGIB) year first, and then switched, you could have received an additional 12 months of benefits under the Post 9/11 GI Bill. But since you have already switched, all you will get is the 12 months you had left from your MGIB. The bad part about switching to the New GI Bill is once you switch, you can’t go back.

Under the Rule of 48, if you qualify for two or more GI Bills, the maximum combined number of months of benefits you can get is 48, but to get them, you have to use your benefits as I described above.

One thing to note though, once you use up your last year of MGIB benefits under the Post 9/11 GI Bill, you will get about 1/3 of your $1,200 MGIB contribution back or about $400. It will come as part of your last housing allowance payment.

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