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How Does the Army College Fund Work with the Post 9/11 GI Bill?

Author Ron Kness is no longer in the service.

Q: How does the Army College fund work with the Post 9/11 GI Bill? I have seen two answers on other sites.1. The Army College Fund as paid out in my enlistment contract will be paid in the same way on the Post 9/11 or MGIB. It will be deposited with the monthly housing payment.2. The Army College Fund is only paid under the MGIB, electing the Post 9/11 means giving up the ACF.

A: The Army College Fund can be used in conjunction with either the Montgomery GI Bill or Post 9/11 GI Bill. It is generally paid out as an additional amount to your monthly Post 9/11 GI Bill housing allowance.

How it is normally figured is the VA will take out your MGIB amount at the time you enlisted from your total ACF figure. What is left (the ACF portion) is split into 36 equal payments and as long as you are using your Post 9/11 GI Bill, you would get a payment each month until you either run out of benefits or stop going to school, whichever is first.

Many servicemembers were duped into thinking that the ACF amount they signed up for was on top of their MGIB payments when in fact their MGIB was part of the total ACF amount. The ACF payment normally runs from $150 to $350 per month.

The program that can’t be used with the Post 9/11 GI Bill, but can with the MGIB, is the Buy-Up program. Under that program, you paid in up to $600 and received up to $5,400 in education benefits on top of what you would get under the MGIB. But for some reason, it can’t be used with the New GI Bill.

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