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

If I Am Still in the Military, Do I Have Access to the Montgomery GI Bill Right Now?

Q: If I am still in the military, do I have access to the Montgomery GI Bill right now?

A: It depends whether or not you paid into the Montgomery GI Bill (MGIB). Do you remember signing a MGIB declination? Did you have $100 per month for the first 12 months taken out of your pay through payroll deduction?

If you did not sign a declination, made your $1,200 contribution, and have served for at least enough time to be eligible for the MGIB, then you “have access” to your MGIB.

But what exactly does “have access” mean? It can mean a couple of different things and each has a different effect on your GI Bill benefits use. First, you can outright use your MGIB months of benefits to go to school just as you would if you were no longer serving in the military, however, the amount you would get is limited to the cost of your tuition and eligible fees instead of the full $1,564 per month that you would get once out and going to school.

However a more efficient way you could use you MGIB benefits would be as part of the Tuition Top-Up program and in conjunction with Tuition Assistance (TA). Under TA, your service branch can pay up to $250 per credit hour towards your tuition (up to the annual $4,500 cap). Anything over the $250 or $4,500 mark is billed to the VA. They in turn, convert that monetary amount into months of benefits at the rate of $1,564 per month and deduct that amount of months and days from your remaining unused MGIB benefits.

So using TA and Top-Up are a great way to maximize your MGIB benefits as TA pays most of the bill.

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?”