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Do I Need to Transfer My Montgomery GI Bill Over to the Post 9/11 GI Bill?

Q: I bought into the Montgomery GI Bill while in the Air Force. I’m currently in and have four years of service. I’m just curious about transferring my GI Bill to the Post 9/11 GI Bill or if I even need to do that because we automatically are given the Post 9/11 GI Bill.

A: Before transferring to the Post 9/11 GI Bill, there are a couple of considerations you should first make. One, what is your education goal? If it is just getting a four-year degree and stopping, then you most likely would be better off with the Post 9/11 GI Bill.

However if you plan to get a graduate degree, then you may want to first use up your 36 months of your Montgomery GI Bill (MGIB) to get your bachelor’s degree, switch to the Post 9/11 GI Bill and get an additional 12 months of entitlement which would go a long ways towards paying for a master’s degree. Doing it this way would also be a better use of your additional Post 9/11 GI Bill benefits because of the way the it pays and the high cost of graduate school when compared to undergraduate work.

Also, if you are considering of making a transfer of benefits to either your spouse or kids, you’ll want to transfer to the Post 9/11 GI Bill while you are still serving and make a transfer of at least one month of benefits to each one before you get out. The MGIB doesn’t have any transfer option to it.

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