Montgomery GI Bill Explained

The Montgomery GI Bill Active Duty, Chapter 30, pays a flat monthly rate directly to you while you're in an approved program — unlike Post-9/11, which pays tuition to the school and a housing allowance to you.

The difference that catches people out is the buy-in. Most people on MGIB-AD had $100 a month taken from their pay for the first 12 months, totalling $1,200. If you never paid it, you're not in the program.

You typically get 36 months of entitlement, and up to 48 months if you hold entitlement under more than one program. The window is usually 10 years from your last discharge, which is the sharpest contrast with the Forever GI Bill.

If you're eligible for both, you have to pick one, and the election is irrevocable. For most people since 2009 Post-9/11 is worth more, but not always — a flat monthly payment can beat a tuition-plus-housing model at a cheap school in a low-BAH area.

Who is eligible?

There are four categories, and Category I covers most people: a high school diploma or GED or 12 college credits, first entered active duty after June 30, 1985, paid the $1,200 reduction, and served continuously for 3 years — or 2 years if that was your agreed obligation, or 2 years plus 4 in the Selected Reserve.

Category III involves a $1,200 lump-sum contribution instead of the payroll reduction.

You need an honorable discharge. A general or other-than-honorable discharge does not qualify, which is stricter than some other VA benefits.

How do I apply?

  • Check you actually paid in: Your pay records will show the $100 monthly reduction. Without it you're not enrolled, however long you served.
  • Compare it against Post-9/11 before electing: The choice can't be reversed. Work out what each pays for the specific program and location you have in mind.
  • Apply for your Certificate of Eligibility: Through va.gov/education/how-to-apply.
  • Watch the 10-year clock: Unlike Post-9/11, this one expires. Note the date of your last discharge and work back from it.
  • Verify enrollment monthly: MGIB-AD pays you directly and requires monthly verification. Miss it and payment stops.

Common questions

What is the Montgomery GI Bill buy-in?

$100 a month for your first 12 months of service, $1,200 in total. Category III participants pay a $1,200 lump sum instead. If you never paid it, you are not in the program.

Does the Montgomery GI Bill expire?

Usually 10 years from your last discharge. That is the main practical difference from the Post-9/11 GI Bill, which has no expiration for anyone discharged on or after January 1, 2013.

Can you use both the Montgomery and Post-9/11 GI Bill?

You have to elect one, and the election is irrevocable. Compare what each pays for your specific program before choosing.

How is the Montgomery GI Bill paid?

A flat monthly rate paid directly to you, rather than tuition paid to the school plus a separate housing allowance.

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