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I am Confused Because Since I Used My Full MGIB, Do I Get the Post 9/11 GI Bill Also?

Q: Good Day. I wanted to know about the new 9/11 GI Bill. I used my Montgomery GI Bill to get my Bachelor degree a few years back. I wanted to know if I qualify to use the New 9/11 GI Bill. I served until June of 2010 and I was active for more than 90 days. As far as I can tell, I meet the qualifications but my issue is that I used the old one in full. I am confused because since I used my full MGIB do I get another with the 911? I am looking into getting a Masters and this will really help out. Thank you for your time and your assistance.

A: To qualify for the minimum benefit of 40% of New GI Bill, you have to have served for at least 90 days on a Title 10 order after September 10, 2001; three years of Title 10 service will get you to the 100% tier. So based on the information in your question, you should qualify for the Post 9/11 GI Bill, but not in its entirety. Under the VA’s Rule of 48, if you qualify for two or more GI Bills, you can only get 48 total combined number of months of entitlement. So being you used up 36 of those months by using your Montgomery GI Bill, then you will only get 12 additional months under the Post 9/11 GI Bill.

When you use those 12 months, they will be paid at whatever percentage you qualify for. If you have at least 90 days, but less than 6 months, you will be at the 40% mark, meaning the VA would pay up to 40% of your tuition and eligible fees directly to your school. If you go to school full-time, they would pay 40% of your housing allowance. But because your housing allowance is partially calculated according to the number of credits you take, if you are less than full-time, then you would get less.

For example if you are taking 7 credits and your school uses 12 as their full-time mark, the VA would pay 40% of 60% (you would get 40% of the 7/12ths (58%) of the full housing allowance – the VA rounds up or down to the nearest tenth, so they would round up to 60%). Forty percent of 60% is not much. You would also get up to $400 per year in a book stipend (40% of up to $1,000).

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