Montgomery GI Bill Rates

The Montgomery GI Bill is one of the most valuable benefits available to military members and veterans. In many cases, it is worth tens of thousands of dollars in education benefits. If you want to know how much you can earn in MGIB benefits, then check out these GI Bill Rates tables to find the corresponding monthly payments based on your GI Bill program and the educational program you are attending.

Montgomery GI Bill RatesAbout these GI Bill rates: Each year the VA reassesses the cost of tuition and updates the benefits paid to GI Bill recipients. In most cases the value of the Montgomery GI Bill increases each year. We do our best to update this information each year to reflect the new GI Bill rates and present the most accurate information we can.

However, each person has a unique case, and this chart should be used as a reference only. You should contact the VA and your educational institution to determine your eligibility and the status of your benefits. Remember – Montgomery GI Bill benefits expire 10 years after your last separation from active duty, so be sure to use them before they do (it is possible to get a GI Bill refund, but only under limited circumstances)!

Know your GI Bill benefits: The Montgomery GI Bill for Active Duty military members (MGIB-AD/Chapter 30) is probably the most common GI Bill plan, and those are the rates covered in this article. The MGIB is the GI Bill plan military members were given the opportunity to buy into for $1,200 during basic training. There is another GI Bill plan, the Post 9/11 GI Bill, which is available to military members who served after September 11, 2001. The Post 9/11 GI Bill benefits are paid directly to the school or educational institution (more info below).

Montgomery GI Bill Monthly Rates – 2015-2016

The Montgomery GI Bill offers eligible recipients a monthly stipend while they are attending classes at a qualified training institution. The checks are sent on a monthly basis and are made payable to the student. Payments to trainees on active duty status are limited to the reimbursement of tuition and fees. If the trainee uses military tuition assistance, the payments are limited to the difference between the tuition assistance and the remaining tuition and fees.

The following payment rates for the Montgomery GI Bill are good for fiscal year 2016, or from October 1, 2015 through September 30, 2016:

Institutional Training Time Monthly GI Bill Rate
Full Time $1,7189.00
¾ Time $1,341.75
½ Time $894.50
Less than ½ time more than ¼ time $894.50**
¼ Time or less $447.25**

Using the MGIB for Apprenticeships and On-Job Training

The MGIB can also be used for apprenticeships and On-Job Training. The following rates cover these types of training:

Apprenticeship and On-Job Training Monthly GI Bill Rate
First six months of training $1,341.75
Second six months of training $983.95
Remaining pursuit of training $626.15

MGIB Rates, Less Than 3 Years Service

Rates are given for servicemembers who served 3 years or more on Active Duty. If you served fewer than 3 years:

Institutional Training Time Monthly GI Bill Rate
Full Time $1,454.00
¾ Time $1,090.50
½ Time $727.00
Less than ½ time more than ¼ time $727.00**
¼ Time or less $363.50**

MGIB Rates for Apprenticeships & OJT, Less Than 3 Years Service

Apprenticeship and On-Job Training
(Less than 3 Years)
Monthly GI Bill Rate
First six months of training $1,090.50
Second six months of training $799.70
Remaining pursuit of training $508.90

Additional notes about these MGIB Rates:

  • Flight Training — Students pursuing courses which consist solely of flight training will be paid at 60% of the approved rates.
  • ** Tuition and Fees only. Payment cannot exceed listed amount.

$600 Top up program. The Montgomery GI Bill and Reserve Educational Assistance Program both have a program which allows members to “top up” their GI Bill by buying additional benefits. Also called the GI Bill Kicker, this plan allows members to buy additional benefits in $20 increments, up to a total of $600. MGIB and REAP recipients will then receive an additional stipend on their monthly GI Bill payment, valued at 1/4 the amount they paid into the buy up program for full-time attendance (rates vary based on full-time or partial-time attendance). You can find the full $600 Buy Up Chart at the VA website.

Montgomery GI Bill for Reserves

The above listed rates are for members of the Active Duty Montgomery GI Bill program (Chapter 30). There are other MGIB programs available to military members, including the Montgomery GI Bill – Selected Reserve (MGIB-SR/Chapter 1606) and the Reserve Educational Assistance Program (REAP/Chapter 1607). You can find the current rates for these programs at the VA website:

Post 9/11 GI Bill Rates

The Post 9/11 GI Bill makes tuition payments directly to the educational institution. Benefits can be used at a variety of higher learning institutions, but rates are capped at the rates of the most expensive state Institution of Higher Learning (IHL). Click to see current rates. Recipients may be eligible to receive BAH benefits based on the rates of an E-5 with dependents, a book stipend, and more. BAH rates are based on the zip code of the school the recipient is attending.

Use your GI Bill Benefits! GI Bill benefits don’t last forever. Your MGIB benefits expire 10 years after your last separation from Active Duty status; Post 9/11 GI Bill benefits are good for 15 years after you separate. Contact the VA, or search GI Bill Schools to start using your GI Bill benefits before they expire!

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Date published: October 7, 2015.

Article by

Ryan Guina is the founder and editor of this site. He is a writer, small business owner, and entrepreneur. He served over 6 years on active duty in the USAF and is currently serving in the IL Air National Guard. He also writes about money management, small business, and career topics at Cash Money Life. You can also see his profile on Google.


  1. Jerry Smith says

    I am a vet that would like to go back to school. I was in the Marine Corp from 1976-1984. Can I still get military benefits to go back to school and could I take online class?

    Jerry C Smith

    • says


      Thank you for contacting us. In most cases, Montgomery GI Bill benefits expire 10 years after you last leave military service. It is probable that you are no longer eligible for the MGIB, however, you should contact the VA for a final decision on this matter.

      Additionally, there may be other veterans education or training programs available to you at either a state, local, or national level. I recommend speaking with the VA and someone at your state or local veterans office.

      There is also a new training and education program available to unemployed military veterans aged 35-60. You can read more about it here: VOW to Hire Heroes Act of 2011 – GI Bill for Unemployed Veterans.

      Best of luck, and thanks for your service.

      • Mrs. McCary says

        My husband has been out of the military for sometime, he has a good job, but does not get paid what other’s in his field because he does not have an education. So I am wondering is there any programs that could help him to go to college. Like this one: There is also a new training and education program available to unemployed military veterans aged 35-60. You can read more about it here: VOW to Hire Heroes Act of 2011 – GI Bill for Unemployed Veterans. Also, I was in the military, but I was not in for over the 180 days, so would I be able to get the benefits list above?

        Thank you,

        Mrs. McCary

  2. Kayla Williams says

    I just recently started school and was wondering if I qualified for the Stipend. My husband is active duty but I am not for sure if I do qualify and if so how do I go about getting the money.

    • says

      Kayla, Are you in the military, or were you in the military? If you served, then it is possible you are eligible for education benefits. If you never served, then you may be eligible for some spousal education benefits, but it will depend on your situation. If you served, I recommend contacting the VA, if you did not serve, I recommend reading this resource, or contacting your base education office for more information. Best of luck.

  3. Scott B Kurka says

    I retired honorably September 2009 after 20yrs. After I retired, I found out that I could only transfer my Post 9/11 GI benifits while on active duty. Since then I have read several articles of others that are in the same situation as I am. Every response is the same regarding whether or not if there is anything that can be done to correct this injust. I have always intended to transfer my benifits to my stepson. At no point during my separation was I ever informed that I needed to transfer my benifits before I officially retired. So, I missed out on this valuable benifit by sixty days of this enactment. Ryan, is there anything that I can do to correct my service record so that I can transfer this benifit?

    Thank you,


    • says

      Not that I am aware of – from what I understand the benefits must be transferred while you are still on active duty. Your best bet will be to contact the VA to determine what your options are.

      Best of luck, and thanks for your service.

  4. Anthony Moreno says

    I graduate in May of 2013, I wanted to know could I still use the post 9/11 G.I. bill to get my Masters degree?

    • says

      Anthony, You may have some of the Ppost-9/11 benefits available if you are qualified for it, but you wouldn’t get the entire thing. I believe you would be eligible for 1 year of Post9-/11 benefits after exhausting the MGIB. You may find that the Post-9/11 GI Bill offers more benefits now, so you might want to consider switching now to get the better benefits. Another benefit is that you may be eligible for a partial MGIB refund if you still have MGIB benefits remaining when you use all of your Post 9/11 GI Bill benefits. I recommend contacting a GI Bill counselor at the VA to help you run through your benefits to see which works out the best for you.

  5. jorge says

    You should get the full 1473 if your full time correct? Regardless if I start school on a monthly basis from the 5th to the 30th , i am full time and received a prorated amount of 1080 only because it wasn’t a full 30 days. Even though I am full time. Is that right?

    • says

      Jorge, I believe the VA only pays based on how many days you go to school during a month. For example, if school starts on the 15th, you might only receive half the payment for that month. But you also only use half of a month’s benefit, so you don’t get charged for benefits you don’t receive. During the next month, you should receive the full benefit.

  6. Kyle says

    I am a recently separated veteran. In our ACAP classes I was told I would get around 1470 monthly for full time student rate on the M.GIBILL;

    I received a statement from the VA that I’ll be getting $849.06, – Training time: Full.

    I’m confused; Why is there such a drastic difference? — After reading a little bit, it seems rates can be affected by online courses.

    I’m a full time online student. Is the rate of $849.06 correct? If not, what do I do? If so, what can I do to make it a full time rate, full amount MHA of $1470?

    • says

      Kyle, When did you start school? Was it at the beginning of the month, or the middle of the month? It’s possible the VA sent you a prorated amount, based on the start date of your classes. The best thing to do is contact them and ask them for a full explanation. They should be able to tell you exactly what’s up with your situation.

      Best of luck with school, and thanks for your service!

      • Kyle says

        I started school August 20th, no payment yet of any sort from the VA. My award letter from the VA states: 849.06 montly rate, training time full, beginning 08-20-12 ending 10-12-12, and monthly rate 849.06 training time full, beginning 10-22-12 ending 12-14-12.

        I’ve tried to call the VA for about a month now, every time, about 50 minutes in the call is simply dropped.

        Do I have alternate means of communication with them, that does not rely on the phone call system?

  7. Kevin Redden says

    I served active duty from 2 June 1983 to 1 August 2008.,
    I would like to transfer my educational benefits to my daughter.
    I payed in on Montgomtry GI program. I retired before Post 9/11 bill became offical.
    How can I transfer MGI to my daughter?

    • says

      Kevin, I’m not sure if it is possible. The GI Bill transfer was designed as an incentive to get current military members to re-up for a longer time period. The servicemember usually incurs a 4 year commitment when they transfer their GI Bill. If this doesn’t answer all your questions, then I recommend contacting the VA to see if there are any other options.

  8. Andrew says

    Im almost done with my master’s degree and I have been using TA for that.I ETS by the end of this month. I have 4 more classes left and my intention is to finish them by using GI Bill. I have MGIBill in my contract. When I finish my masters can I use the remaining of GI Bill for another master degree or a Ph D ?
    Also If I switch from M-GiBIll to Post 9/11, is the $1200 that I paid for MgiBill going to be reimbursed?

    • says

      Congrats on your progress, Andrew. You can definitely use your Montgomery GI Bill or Post-9/11 GI Bill for another advanced degree. There really aren’t any limits, as long as the degree is accredited. You can get a MGIB refund, provided you switch to the Post-9/11 GI Bill and use all of it. You will then be refunded a proportional amount of the MGIB that you didn’t use. For example, if you use half your MGIB, you will receive a $600 refund. So far as I know, there are no refunds for the MGIB kicker. Here is more information on MGIB refunds.

  9. Jaired Potter says

    I am a veteran and have been a member of the NC National Guard for 12 yrs. My ETS is January 2013 i was wondering if I would still be eligible for Montgomery GI benefits after I get out.

    • says

      Yes, you should still have access to the GI Bill for 10 years after the last time you served in uniform. You should double-check, however, because there may be some differences based on your service in the National Guard. You may also be eligible for the Post-9/11 GI Bill, depending on your National Guard service. If you are eligible for it, you may consider transferring your benefits to the Post-9/11 GI Bill because they last longer (15 years after you separate), and they provide more overall benefits. (Keep in mind, not all Guard members are eligible for he Post-9/11 GI Bill; it depends on your service). My recommendation is to speak to the education office at your unit, or contact the VA for more specific information.

  10. larry says

    I’m a current student finishing up my bachelors, I was wondering would my post 911 Gi bill cover the process through my Masters as well.

    • says

      Larry, it will all depend on how much of your benefit remains. The best way to find out is to contact the VA. Be sure to explain that you are using the MGIB so they don’t assume you are already using the Post-9/11 GI Bill. Then ask how much Post-9/11 GI Bill benefit you may have after you use all of your MGIB benefits. You may have some eligibility, depending on your service dates, how much of your GI Bill you have used, etc. It’s often case by case, so I can’t give you a more specific answer.

  11. Rashon Felix says

    I am taking distance learning classes worth 12 credits total and I am only getting a little over $1000. Is this correct?

    • says

      Rashon, Do you have the full Montgomery GI Bill rate based on the amount of time you served? If so, then you should receive the full GI Bill rate. If not, then you should only be eligible to receive the partial MGIB rate. If there is a problem, then the only thing you can do is contact the VA to get the problem corrected. Best of luck, and thanks for your service!

    • says

      Chris, The FY16 rates haven’t been released yet. I will update this article once I receive word of the new rates. Thanks, and best of luck with your studies!

  12. Samantha says

    When I transfer my benefits to my spouse will he will have two years left of school. He has a lot of student loans so will the GI Bill cover a certain amount of his student loans or will it only cover the year and a half of school he has left?

  13. Greg says

    I used my post 9/11 GI bill to get a BS from a state school. I am now in a private school getting my Masters in Public Health. I have 7 months left of eligibility but the IHL cap will run out in two months. Am I still able to receive housing benefits for the remaining 5 months of my eligibility after the IHL cap has been met?

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