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Joining the Military is Hazardous to Your EducationThe Montgomery GI Bill -- Plenty of Promises, Little Education MoneyWe've all seen the advertisements, "Join the Army and earn up to $40,000 for college." The ads seem to say that if you join the military college is all but paid for. But only 35% of recruits receive any education benefits from the military. Most that do get money receive far less than $40,000. To find out why it's so hard to obtain the education benefits the military advertises, read on. For alternatives to enlisting, see our brochure Financing College Without Joining the Military. Read the Fine PrintAdvertisements that offer money for college if you join the military are advertising two programs, the Montgomery GI Bill and the Army or Navy College Fund. Almost all enlistees join the Montgomery GI Bill on entering the military. Far fewer enlistees qualify for the higher benefit Army/Navy College Fund and they must also participate in the Montgomery GI Bill. In order to receive any education benefit there are several conditions that must be met. First, you must contribute $100 per month for the first twelve months of your tour. Those payments must be made for all twelve months and can't be canceled once they're begun. There is no refund of that $1200, ever. Additionally, you must receive an honorable discharge, something that 20% of all veterans don't get. More ObstaclesEven after you've been honorably discharged, you're still a long way from getting that money. Even though you've earned your tuition benefit you probably won't get it all. The military has still more requirements for you to fulfill before you get all of your money. Of course, you must be attending an accredited school. The military's payment plan is based on a four year college schedule: they'll pay you equal portions of your money over 36 months (the equivalent of four academic years of nine months each). This schedule is not flexible! If you, like 56% of veterans using the Montgomery GI Bill, attend a two year school or vocational school you can not receive larger payments over a shorter period of time. That means a two year college graduate will receive only half of the money they have earned! It Isn't EnoughEven if you qualify for and receive the full $40,000, it isn't worth as much as you might think. While World War II GI Bill participants were able to attend 90% of all schools (public, private, two-year and four-year) with their tuition grant, $40,000 will cover just over one year at some private schools today. Even state universities cost an average of about $9,000 per year. Your benefits probably won't increase while you're in the military (benefits have been raised twice since the program was begun in 1985). But the cost of education will continue to rise at a rate of 5-10% per year. By the time you finish your tour, your education benefit will be worth a quarter less than when you signed up. If you don't go to school right after the military, which many people don't, your benefit will become worth less and less. Education in the Military?Recruiters also like to talk about educational opportunities while you're in the military. According to recruiters, not only will you learn skill in your job specialty but you also have the chance to take college courses on-base or close by. In theory, this may be true. But when the military commissioned a study to see what soldiers thought of military recruiting, an overwhelming number responded that they thought military advertisements' promises of education were "lies...false" or "not the truth to me." Rather than working with the helicopters you see in slick advertisements, they found themselves "buffin' floors and pickin' up cigarette butts." The Military MissionAbove all else, the military is an institution with one overriding purpose: to prepare for and fight wars. You literally sign your life over to the military. For some who joined the military before the Gulf War, they didn't fully realize this until they were faced with an actual war in Saudi Arabia against Iraq. Don't make the same mistake they made. If you're going to join the military be prepared to fight a war, even a war you may not agree with. It could be a war we lose, like Vietnam. Or, it could be a war we win, like in Kuwait. Either way, people are killed and you might be the one who kills them. As much as the war in Iraq has been celebrated, you can find US veterans who can't forget some of the awful things they saw there. Is that the kind of risk you want to take to finance your college education? Be A Smart ConsumerThe Montgomery GI Bill was not created to send you, or anyone else, to school. It was designed to recruit soldiers. It may be all the same to you, as long as you end up with money for college. But why the program was created affects its design and how well it is funded. The Montgomery GI Bill is designed to attract you with a large sounding amount of money with lots of strings attached. The maximum benefit of $40,000 quickly dwindles to $14,375 or $6588 for an alarming number of recruits. Many don't find that out until after they've joined! By then it's much too late... Nobody else can make decisions about what is best for you, not the recruiter and not us. But your decisions should be based on more than slick ads and a recruiter's sales pitch. The military promises but often it does not deliver.
The above information is excerpted, with updated figures, from a 1991 thesis on the Montgomery GI Bill (available in adobe acrobat format) written by Alex Doty. |
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