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

Is It True That I Surrendered A Portion of My Post 9/11 GI Bill When I Accepted CLRP?

Q: I was recently informed that as a result of accepting College Loan Repayment Program money for my undergrad studies, I surrendered a portion of the Post 9/11 GI Bill. I am already approved for the MGIB, however, I am trying to decide if it may be more worthwhile to forgo it and use whatever reduced percentage of the Post 9/11 GI Bill that I still rate. I fulfilled the 3 years obligated service in repayment of the CLRP and have one year service on top of that, in which Post 9/11 GI Bill credit was accumulated. What I am trying to figure out is what does that actually look like in terms of payment for school? I understand that it still provides for 3 years of schooling, however, since the first 3 years of my service went to paying back CLRP, the Post 9/11 Bill money I would receive for those 3 years would be a portion of what somebody who did not take CLRP would receive. Is there a dollar amount that this comes out to, so that I can compare it to the money I would receive from the MGIB (which I rate in full)? Also, does the reduced payment affect the BAH that the Post 9/11 provides, or is it just tuition? You seem very keen to these topics and I have spent much time with few answers at the VA. Thank you for your time.

A: When you signed up for CLRP, you incurred a three-year obligation as you stated. During your first three years of service you were not accumulating any GI Bill benefits, neither Post 9/11 GI Bill or Montgomery GI Bill – zip, nada, nothing. With one full year of qualifying service – your last 12 months – credited toward your Post 9/11 GI Bill, you would be at the 60% tier. If you don’t have a full twelve months since your three-year CLRP anniversary, then you are currently at the 50% tier.

The Montgomery GI Bill (MGIB) and Post 9/11 GI Bill are so different that it is somewhat hard to make a comparison. The MGIB does have a monetary cap to it, while the Post 9/11 GI Bill simply has up to 36 months of entitlement, regardless of what it costs. So once you have another two years of service, you could get up to $1,468 per month in MGIB benefits. Out of that amount, you have to pay your own tuition, fees, books and other education-related expenses.

If using the Post 9/11 GI Bill in another two years, you would be at the 100% tier, meaning the VA would pay all of your tuition at a public school in your state of residency or up to $19,198.31 per year if you decide to attend a private school. On top of that, you would get the full housing allowance based on the zip code of your school and the number of credits you are taking during each semester. At the beginning of each semester, you would get the book stipend calculated at $41.67 per credit. There is a $1,000 cap per academic year on the book stipend.

Right now if you went to school, the VA would pay up to your tier percentage of either 50% or 60% in tuition and you would get that same percentage in book stipend money. If you are still serving, you would not be eligible for the housing allowance; no longer serving and you would get the same tier percentage of the housing allowance.

Because at this time with only one year of eligible GI Bill service, you do not rate the MGIB, so it makes it easy which GI Bill to use – the only one you have – the Post 9/11 GI Bill. However with another two years of service you could have both at 100%. Then you could choose whether to convert all 36 MGIB months over to the Post 9/11 GI Bill and get back your $1,200 contribution fee once you have used up the last of your converted Post 9/11 GI Bill benefits, or use up all of your MGIB, convert and get an additional 12 months of Post 9/11 GI Bill benefits.

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?”