This website is not affiliated with the U.S. government or military.

Can I Use the Montgomery GI Bill and Tuition Top-Up Together?

Q: I am currently active duty Navy with two years left to serve. I currently have the Montgomery GI Bill that I paid $1,200 for. I am interested to moving to the Post 9/11 but first would like to know if I can use the Montgomery GI bill COMBINED with the TA top off and then after I exhausted that, move onto the Post 9/11 Bill. I know you can transfer after using the Montgomery Bill, but haven’t found any info on using that AND TA top off. I just wanted to make sure it wouldn’t exclude me from transferring to the Post 9/11. I am aware that I would not get my $1,200 dollars back. One last thing, how much money does it take to exhaust the Montgomery GI bill roughly? Thanks for any info.

A: I think what you mean is Tuition Top-Up. And the answer is yes – as a matter of fact, you have to use a GI Bill with Tuition Top-Up as that is where the funds for Top-Up come from.

How it works is the Navy would pay all of your tuition up front, however, the portion over what TA pays would be billed to the VA. The VA pays the Navy for that amount and then divides that amount by the current Montgomery GI Bill (MGIB) monthly amount (which currently is $1,564). Then the VA would reduce your unused MGIB benefits by that number of $1,564 units – each unit would then equal one month of benefits.

With the MGIB, you initially get 36 months of benefits, so the amount of money that amounts to is 36 months times the monthly MGIB benefits which we noted earlier as $1,564. So right now the MGIB is worth $56,304.

If you qualify for the Post 9/11 GI Bill in addition to the MGIB, you could get an additional 12 months of benefits once you exhaust your 36 months of MGIB. The trick to getting those additional months is to use up ALL of your MGIB first. If you transfer with any MGIB benefits left, all you will get is that same number of months of benefits under the Post 9/11 GI Bill and not the additional months.

Privacy Policy | About Us | FAQ | Terms of Service | Disclaimers | Do Not Sell My Personal Information (CA and NV residents)

Copyright © 2023 EducationDynamics. All Rights Reserved.

This is a private website that is not affiliated with the U.S. government, U.S. Armed Forces or Department of Veteran Affairs. U.S. government agencies have not reviewed this information. This site is not connected with any government agency. If you would like to find more information about benefits offered by the U.S. Department of Veteran Affairs, please visit the official U.S. government web site for veterans’ benefits at

The sponsored schools featured on this site do not include all schools that accept GI Bill® funding or VA Benefits. To contact ArmyStudyGuide, email us.

Disclosure: EducationDynamics receives compensation for the featured schools on our websites (see “Sponsored Schools” or “Sponsored Listings” or “Sponsored Results”). So what does this mean for you? Compensation may impact where the Sponsored Schools appear on our websites, including whether they appear as a match through our education matching services tool, the order in which they appear in a listing, and/or their ranking. Our websites do not provide, nor are they intended to provide, a comprehensive list of all schools (a) in the United States (b) located in a specific geographic area or (c) that offer a particular program of study. By providing information or agreeing to be contacted by a Sponsored School, you are in no way obligated to apply to or enroll with the school.

This is an offer for educational opportunities that may lead to employment and not an offer for nor a guarantee of employment. Students should consult with a representative from the school they select to learn more about career opportunities in that field. Program outcomes vary according to each institution’s specific program curriculum. Financial aid may be available to those who qualify. The financial aid information on this site is for informational and research purposes only and is not an assurance of financial aid.

VFW $30,000 Scholarship!
Write an essay on the annual patriotic theme. This year’s theme is, “Why Is The Veteran Important?”