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

Would It Be Better to Use My Montgomery GI Bill or Post 9/11 GI Bill to Fund My Master’s Degree?


I am active duty and currently have the MGIB and never used benefits. I want to get a Master’s Degree and want to know if it would be better to use the MGIB or convert and use the Post 9/11 GI Bill before starting? Or should I initially use the MGIB while I start slowly 1 or 2 classes a semester and then convert later when I get used to going to school again and take more classes and use the Post 9/11 GI Bill to top up Tuition Assistance.

A: Being you are still on active duty, I would first consider using Tuition Assistance (TA) and Tuition Top-Up. Using TA is a great way to maximize your GI Bill entitlement as TA pays most of the bill. How it works is TA pays up to $166 to $250 per credit hour, depending on which branch of service you are in, up to a maximum of $4,500 per year.

If your tuition costs more that TA would pay, or you hit your yearly cap early in the academic year, the additional amount not paid by the VA and taken out of your unused GI Bill benefits.

Under the Montgomery GI Bill (MGIB), you use up one month of entitlement for each month of benefit paid, so your entitlement is reduced for $1,564 increment paid out by the VA to your service branch.

Entitlement use under the Post 9/11 GI Bill is calculated differently – by your rate of pursuit. So if you are a full-time student, your Post 9/11 GI Bill entitlement is reduced one month for each month of benefits that is paid out. So if you are a full-time student using Top-Up with the Post 9/11 GI Bill, you are using up one month of benefit for each month the VA has to pay out benefits regardless of the amount they pay. If you are a ┬¥ time student, then you are using up ┬¥ of a month for each month.

So to answer your question, and because of the way entitlement use is calculated under each of the two GI Bills, I think it makes more sense to stick with the MGIB for now. The upside to doing this is once you have exhausted your MGIB benefits, you could switch to the Post 9/11 GI Bill and get an additional 12 months of benefits.

However, if you switch with MGIB benefits left, then all you get is the same number of months of benefits under the Post 9/11 GI Bill as you had left under the MGIB.

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?”