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Why Didn’t My Recruiter Tell Me About the College Loan Repayment Program?

Author Ron Kness is no longer in the service.

Q: If I am already enlisted, and my recruiter did not include the CLRP in my contract or even mention it and I have outstanding student loan, how can I get it added on?

A: Whether your recruiter told you about College Loan Repayment Program (CLRP) or not could depend on if you declined the GI Bill or not at enlistment. If you enlisted for three years and accepted the GI Bill, then there was no point in offering CLRP. CLRP has a three-year payback and you can’t get both CLRP and the GI Bill for the same period of time.

If you enlisted for six years, then you could have been offered both as you would have had time to pay back your CLRP three-year commitment and still have three years of eligible time for the Post 9/11 GI Bill or Montgomery GI Bill.

If you did decline the GI Bill, then CLRP might not have been available at the time you enlisted. Because the program is an enlistment incentive, if your service branch did not need the enlistment numbers for that month, they might not have been offering it. Also, CLRP only covers certain federally-insured student loans and yours may not have been covered anyway.

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