President Trump has signed an executive order directing the Department of Education to forgive all federal student loan debt owed by veterans who are “completely and permanently” disabled. The presidential memorandum also clears those eligible veterans from having to pay any federal income tax on the loans.

The Higher Education Act of 1965 and updated Higher Education Act of 2008 discharged the student loan debt for “totally and permanently disabled” veterans. However, veterans seeking loan discharges have been required to submit an application to the Secretary of Education with proof of their disabilities obtained from Veterans Affairs. The process has been overly complicated and difficult, and prevented too many of our veterans from receiving the relief for which they are eligible. This has inflicted significant hardship and serious harm on these veterans.

It was my honor to sign a Presidential Memorandum facilitating the cancellation of student loan debt for 25K of our most severely disabled Veterans. With today’s order, we express the everlasting love & loyalty of a truly grateful Nation. God bless our Vets, & God Bless America! pic.twitter.com/MMMsX3RDQM

— Donald J. Trump (@realDonaldTrump) August 22, 2019

 

Only half of the approximately 50,000 “totally and permanently disabled” veterans who currently qualify for the discharge of their Federal student loan debt have availed themselves of the benefits provided to them due to a burdensome process. Trump said he was “taking executive action to ensure that our wounded warriors are not saddled with mountains of student debt,” vowing to “eliminate every penny of federal student loan debt owed by American veterans who are completely and permanently disabled.” The move will wipe out “hundreds of millions” in student loan debt owed by more than 25,000 disabled veterans, Trump said. The average amount forgiven would be about $30,000, he said. This represents a fraction of the national student loan debt amount, $1.6 trillion, the largest non-mortgage debt in the U.S.

The executive action directs the government to develop an expedited process so veterans can have the debt discharged “with minimal burdens.” The executive order also directs the Education Department to automatically identify veterans eligible for loan forgiveness and give them the option to opt out for 60 days before moving ahead with canceling the debt. Additionally, Trump called on all 50 states to immediately “waive all applicable state taxes” on the forgiven loans.

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It’s easy to assume that military members have no student loan debt. After all, aren’t veterans, currently serving military members, and eligible Guard/Reserve members all taking full advantage of VA education benefits such as the Post 9/11 GI Bill and the Forever GI Bill changes that have greatly enhanced the program?

But not everyone who joins the military comes to the service in need of a degree. Some already have plenty of college experience, undergrad and graduate degrees, or certificates. And when you join the military with student loan debt or incur student loan debt while serving, it’s good to know your military student loan forgiveness options.

Not all who owe money on their higher education will qualify for loan forgiveness. But for the many who are eligible for some form of assistance, it can be quite helpful to receive loan deferment or other support. This is especially true for those transitioning out of military service and back into the civilian sector.

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Types of Student Loan Forgiveness and Related Options

There are many programs that allow military members to apply to defer student loans or have them forgiven. In all cases, it will be necessary to contact the loan servicer to determine what application requirements are needed at the time.

State law, lender requirements, and other rules may apply. None of the programs listed here are automatic. You must apply for each one individually and supporting documentation is a condition of acceptance into each program.

 Public Service Loan Forgiveness (PSLF)

The program known as Federal Student Aid “began accepting and reviewing applications from borrowers seeking loan forgiveness” for Direct Loans via the Public Service Loan Forgiveness (PSLF) Program which was created in 2007.

Direct loans are those that qualifying students and parents borrow directly from the U.S. Department of Education. Military members would be eligible to apply since any government employee is considered. The one exception is civilians working at for-profit government contractor agencies.

Only qualifying student loans will be forgiven under this program. The government’s official site for student aid defines a qualifying loan as, “any non-defaulted loan you received under the William D. Ford Federal Direct Loan (Direct Loan) Program.”

Servicemembers Civil Relief Act (SCRA) Interest Rate Cap

A 2008 law known as the Higher Education Opportunity Act amended existing rules to include federally guaranteed student loans as a protected debt under the SCRA. Before 2008, federal student loans were NOT included as part of SCRA protections.

That means any Direct Loan prior to 2008 is not covered. But for those with student loans originated after the passage of the Higher Education Opportunity Act, those loans have an interest rate cap at six percent for the duration of military service. All interest above and beyond that six percent must be forgiven.

The catch is that this cap is not automatic. It must be applied for in writing and supporting documentation must be submitted including military orders to show the duration of service, etc.

The cap is not for any time except for the duration of military service; any interest paid prior to that is not covered under SCRA.

Military Service Deferment

Military service deferment permits a student loan borrower to defer or postpone loan repayment “during certain periods of active duty” and immediately after active duty. Training periods, military service schooling, and similar circumstances do not count. Serving away from the borrower’s normal duty station does count, as does wartime service.

To apply for this program, contact your loan servicer and be prepared to submit documentation. This includes paperwork showing your completed military service, a Post-Active Duty Student Deferment Request form, a statement from a commander or First Individual (First Sergeant, Sergeant Major, Master Chief, etc.) or personnel officer along with the completed borrower section of deferment form. You may need to provide military orders, discharge paperwork, etc. as required.

Student Loan Deferments after Active Duty

Military members may apply to defer Federal loans and certain private loans following departure from active duty when returning to school. You will need to contact your lender to see what application requirements apply. But in general you will need a copy of military orders, discharge paperwork, and a written statement from a commander or personnel officer.

0% Student Loan Interest during Hostile Duty

You may apply to pay no interest on your qualifying student loans for up to 60 months if you are assigned to a “hostile area.” Service members must be receiving special duty pay to qualify for this zero-interest student loan option. This is not offered for private student loans, but check with your loan servicer to see if any such program is offered independently by that financial institution.

Heroes Act Waiver

For those on active duty, certain documentation requirements are waived for those using student loan benefits. Service members who utilize income-driven student loan payment plans (see below) can apply to have their monthly payment amounts continue without the required updates based on income, family size, or other variables. The Heroes Act also suspends “satisfactory academic progress” requirements for qualifying servicemembers.

This is generally offered for those serving in times of war or other military operations. It is also offered to those who serve in times of a national emergency. The Heroes Act waiver does not include loan forgiveness, but the elimination of the regular reporting requirement for those serving in combat zones and other areas can be a major benefit.

The Heroes Act also permits students withdrawing from college because of required military service to keep Title IV funds that were overpaid thanks to a repayment waiver. Students who were threatened with collection activity on defaulted education loans can apply to have such action halted (for a limited time) as a result of qualifying military service.

Income-Driven Student Loan Repayment Plans with The Potential for Loan Forgiveness

Service members and veterans who qualify can apply to have their student loan repayment programs based on income. This is an option for federal loans only, though it is a very good idea to contact your student loan servicer to see if a similar program is offered to veterans independently.

Veterans with federal student loans may qualify for a low payment or no-payment option “with the possibility of forgiveness of the remaining balance in 20-25 years.” Application procedures may vary depending on the lender.

Veterans Total and Permanent Disability Discharge Student Loan Forgiveness.

Veterans with a service connected disability may be able to have student loans forgiven. In general this is intended for federal student loans, but some private student loans may also qualify depending on the loan and circumstances. Qualifying veterans will have a VA disability rating and receive, or be eligible to receive, VA disability compensation.

Veterans must complete a Total and Permanent Disability Request Form to qualify. Contact your student loan servicer to learn more about specific requirements to apply with that lender. Read more about this here.

Military Service Loan Repayment Programs

While not all military members qualify for student loan repayment by the Department of Defense, for those who do there is a huge benefit.

These programs are often offered in critically staffed career fields. It is not uncommon for doctors and other medical professionals to have their student debt taken care of by the Department of Defense in exchange for a minimum military service commitment (which will vary depending on the program, the branch of military service, etc.).

One excellent example of this type of program is the one administered by the Air Force for those who work in the Judge Advocate General (JAG) corps. According to the Air Force official site, “eligible JAGs can apply for up to $65,000 toward student loan repayment. Payments are made directly to a qualified lender over a three-year period, starting after you have completed the first year of service as a JAG officer.”

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Other Types of Student Loan Forgiveness and Forbearance

Depending on circumstances, the type of student loans you have, and other variables, it may be possible to qualify for additional consideration for student loan forgiveness or forbearance. Private loans vary and will have requirements unique to that program. Contact your loan servicer for information on how to apply for any private student loan program your servicer may offer.

For federal loans, students may qualify for a student loan deferment under the following circumstances:

• While enrolled at least half-time at an eligible college or career school, and if you received a Direct PLUS Loan or FFEL PLUS Loan as a graduate or professional student, for an additional six months after you are no longer enrolled at least half-time;
• While enrolled in an approved graduate fellowship program;
• Being enrolled in an approved rehabilitation training program for the disabled;
• During periods of unemployment or a lack of full-time employment up to three years;
• While serving on active duty military service in connection with a war, military operation, or national emergency;
• While on active duty military service in connection with a war, military operation, or national emergency, for the 13 month period following the conclusion of that service, or until you return to college or career school half-time or more.

For student loan forbearance, a General Forbearance option allows your lender to decide whether to grant your request when motivated by the following circumstances:

• Financial difficulties
• Medical expenses
• Changes in employment
• Other issues the lender is willing to accept

Such forbearance is allowed only for 12 months at a time. Some programs only permit a “cumulative forbearance” of a certain number of months or years, while others do not. Lender standards and requirements will be an important part of the equation when such arrangements are made.

Depending on the type of loan and the agreement you make with the lender, you may or may not be charged interest during the forbearance period.

There is also a category known as a Mandatory Forbearance (applicable for 12 months at a time) which applies to the following circumstances:

• Serving in a medical or dental internship or residency program when the applicant meets certain requirements including holding a Direct Loan or FFEL loan (no other loans qualify under this circumstance)
• The total amount of the monthly payment for all student loans equals 20 percent or more of your total monthly gross income, for up to three years on Direct Loans, FFEL Program loans, and Perkins Loans;
• The borrower participates in a teaching program that qualifies for teacher loan forgiveness on Direct Loans and FFEL Program loans only;
• The borrower is eligible for partial repayment of your loans under the U.S. Department of Defense Student Loan Repayment Program for Direct Loans and FFEL Program loans only;
• Member of the National Guard who are activated, but not considered eligible for a military deferment for Direct Loans and FFEL Program loans.

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Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News

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The BAH rate (aka MHA rate (Monthly Housing Allowance)) if you are enrolled full-time through the post 9/11 GI Bill® at an online college, school, or distance learning program is $894.50 until July 31st, 2020.  Even though BAH Rates are effective as of January 1st, 2019, the effective date for the adjustment of the MHA received under the Post-9/11 GI Bill is the beginning of the academic year, August 1, 2019.  

Find out how the Forever GI Bill BAH implementation delays might impact you.

Online College Payment Rates For 2018 Academic Year (August 1, 2019 – July 31, 2020)

Exclusively Online Training (No Classroom Instruction) – $894.50 per month.

Click here for all BAH Rates for students.

How will the new Forever GI Bill affect BAH and online student veterans?

The Monthly Housing Allowance (MHA) aka BAH will now calculate payments based on where a veteran student attends the majority of their classes. Prior to the Forever GI Bill payment was calculated on where the school was located. This is a big change for online students receiving lower BAH payments because their school was located in an area with a lower BAH than where they lived. This change will be effective August 1, 2018 and will only apply to new GI Bill enrollees.

How is BAH calculated for online education or distance learning students?

The basic allowance for housing for online students is half the national average BAH for an E-5 with dependents for student veterans. 

What if you’re attending part time? 

The amount is less if you’re not enrolled full-time, but students must be enrolled at least 51% of full-time to be eligible for MHA benefits.

How does the Department of Veterans Affairs calculate part time BAH rates?

Over 50% but not 100% is calculated to the nearest 10%.  For instance, if your training time (e.g., number of credits) is determined to be 68% as calculated above, you will be paid 70% of the applicable housing allowance.  If your training time is calculated to be 56%, you will be paid 60% of the applicable housing allowance.

What is the BAH Rate if you’re attending online and on-campus classes?

A full-time student taking at least one classroom course will get the full BAH rate based on the zip code of the school.

Is this correct? I have read elsewhere including on government sites that online students get BAH?

Yes, the Post-9/11 Veterans Education Assistance Improvements Act (GI Bill 2.0) made this change effective October 1, 2011.  Many sites have not updated this information and still inaccurately reflect that online students are not eligible.

Click here for more information on BAH Rates.

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Many veterans leave military service with an eye on developing existing tech skills or learning new ones, and there are more programs than ever designed to help military members do just that. There are plenty of options in both the private sector and via the Department of Veterans Affairs that can help veterans find good paying jobs in high tech industries.

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The Department of Veterans Affairs VET TEC Program

The VA official site advertises VET TEC as a pilot program (at the time of this writing) offering qualifying veterans with “the skills and expertise needed to land a job in this field in as little as six months” according to the official site.

What does this program offer? VET TEC features VA-paid training, monthly housing for those in the program, and best of all, this VA training program is advertised as requiring “only one day of GI Bill entitlement” and this program “doesn’t use benefits” associated with the GI Bill (the one day of GI Bill entitlement rule is simply to qualify for VET TEC).

How VET TEC Works

VET TEC is a pilot program which places eligible military veterans with “market-leading Training Providers offering the high-tech training and skills development sought by employers.” All VET TEC classes and training are paid for by the Department of Veterans Affairs and all students get a monthly housing stipend for the duration of the training period.

Those who use VET TEC are given a choice of one of the technical areas such as information science, software, programming, media, and data processing. Those who finish the program receive a certification for their time in training.

Using VET TEC As An Education Benefit

Those enrolled in the VET TEC program are required to qualify as a GI Bill recipient, but they do NOT use any GI Bill entitlement to attend. Participating in VET TEC means you get housing allowance payments similar to the Post-9/11 GI Bill:

• Students who choose in person training will get a housing stipend “equal to the monthly military Basic Allowance for Housing (BAH) for an E-5 with dependents” based on the zip code where the training is physically conducted.
• For attendance that is online only, housing payments are “half of the BAH national average for an E-5 with dependents.”

All housing payments are prorated for actual days attended in cases where a full month of training is not completed.

Signing Up For VET TEC

The VA official site advises potential VET TEC students to apply online and await a decision from the Department of Veterans Affairs. Once approved, students may review a VA list of approved providers to find a suitable technical training program.

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Microsoft

Microsoft Software & Systems Academy (MSSA) offers technical training to transitioning service members and veterans “with critical career skills required for today’s growing technology industry,” according to the Microsoft official site. MSSA provides qualifying military members and veterans with an 18-week program that can be taken all at once or split over two 9-week terms. Training options include:

• Cloud Application Development – This track trains veterans to become a C# programmer and learn how to create local, server based and cloud-stored applications. This training includes database programming, data integration, C# application programming with ASP.net MVC, as well as application development in Azure.
• Cybersecurity Administration – This track teaches military members how to protect technical infrastructure and critical data assets. Students will learn about “threat landscapes” plus security policy, access control, security tools, digital forensics and more.
• Server & Cloud Administration – Learn how to function as a systems administrator, install, configure, manage and advance the usage of IT on-site, cloud-based projects, or in “a hybrid combination to meet the technology needs of major organizations.” Students will become familiar with Windows Server workloads, networking, authentication and authorization, and more.

Microsoft’s official website states at the time of this writing that MSSA Program graduates “have an opportunity to interview for a full-time job at Microsoft or one of our hiring partners.” The company has nearly 300 such partners including the Defense Department. Learn more at the Microsoft Software and Systems Academy for more information.

Accenture Veteran Technology Training Program

The Accenture Veteran Technology Training Program official site includes a signup page for a program offered to military service members and veterans “who want to pursue a career in technology and software engineering.”

The Accenture Veteran Technology Training Program features two months of tech training for veterans who want jobs as Entry Level Software Engineering Associates with Accenture.

Accenture offers this program in partnership with the online university Udacity. Those approved to participate will receive free enrollment in Udacity’s Intro to Java Programming online program. According to the official site, “Accenture is offering the premium version of the course, where coaches actively support students and students earn a Verified Certificate.”

Coursework includes learning based in the following areas:

• Computer science concepts using Java
• Object Oriented Programming,
• Software problem solving

Those who complete the program are given an interview with Accenture. Those who are hired “will apply your military background and new Java skills to assist with the development, delivery and management of technology-based business solutions,” and be given further opportunities to learn new tech skills via Accenture’s employee training programs.

You can apply for the Accenture Veteran Technology Training Program through the company’s official site.

Skillsoft and Hire Our Heroes

Skillsoft and the non-profit Hire Our Heroes have partnered to offer tech training to veterans and currently serving military members.

This partnership offers qualifying military learners approximately 20 thousand on-demand resources and around 450 “learning channels” and utilizing the Percipio intelligent learning platform. This program is not indefinite; at the time of this writing it is offered between January 31, 2018 and January 30, 2020.

Veterans and currently serving military are required to verify their status before signing up, the program is open to Reservists, and registration and more information is available at the HireOurHeroes official site.

NS2 Serves/Boots To Suits

NS2 Serves is a non-profit organization offering training and employment assistance for veterans interested in information technology careers. These services are available at no cost to the veteran and consists of the 12-week program called Boots to Suits.

This program is open to “Post-9/11 U.S. military service veterans and reservists (including disabled veterans), service members with orders to leave active duty, and Gold Star spouses who meet eligibility requirements,” according to the program description.

The full-time Boots to Suits program trains qualifying military members and vets in “world-class software solutions that support U.S. national security needs and commercial enterprises.”

Those who successfully complete the training may be offered work at companies similar to those who have graduated in the past – Boots To Suits graduates have gone on to work for companies including Accenture, Deloitte, CSRA, and the USDA.

Though individual results may vary, the NS2 Serves official site claims a starting salary for program graduates at approximately $60K per year.

Simplilearn

Simplilearn and the National Military Family Association have partnered to offer military spouses a 50 percent discount on online education programs offered by Simplilearn. Participants are required to register at the NMFA official site for discounted access to “over 400 training courses across a variety of emerging technologies and applications,” according to NMFA.

Spouses should also know about the NMFA scholarship program which may further enhance a military spouse’s quest for improved or new tech skills. Military spouses must meet eligibility criteria including requirements to be a “spouse of a member of the seven Uniformed Services with a valid military ID” and:

• are married to an active duty, reserve, guard, retired, medically retired, wounded or fallen service member (must be a service-related wound, illness, injury or death that took place after September 11, 2001) OR
• are a dual service military spouse, OR
• are a divorced spouse, but ONLY if you receive 20/20/20 benefits

See the NFMA official site for more information about deadlines and application requirements.

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Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News

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If you are currently serving, or have retired or separated from the military, choosing a college to use your GI Bill benefits, state military education benefits, or student loans can be challenging. There are a variety of practical issues unique to service members and veterans that can help you weed out colleges that aren’t right for you and make your selection process easier.

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Choosing A College As An Active Duty Service Member

There are important considerations for active duty military members including whether or not the college has policies to accommodate those who require absences due to regular military duty, temporary duty or TDY, and deployments.

When you speak or email a college counselor or admissions rep, be sure to ask what specific policies are on the books to accommodate your needs for service-connected absences.

Questions To Ask About College Policies For Active Duty Military

• Does the college have a policy for duty-related absences? What is the specific policy?
• Does the institution allow the military member to make up missed course work or assignments due to service-connected absences? If not, what kinds of reasonable accommodations are made?
• How long can a duty-related absence be without penalty? What is required for prolonged absences (deployments, training, etc.)
• What is the withdrawal policy for active duty military and what are the deadlines to notify the school without penalty?
• What is the refund policy for classes which must be dropped due to deployments, extended training or TDY, or permanent change of station moves?
• What is the policy for switching to distance or online learning from an in-person class for the purposes of continuing coursework while deployed or on TDY, etc?
• What kind of documentation is required to drop, suspend, or be absent from classes for service-connected reasons?
• What specific deadlines and penalties apply when modifying, dropping, or pausing higher education for military duty?

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Choosing A College As A Guard Or Reservist Service Member

Guard and Reserve duty present unique challenges to those attending school. You may find a deployment, national emergency, annual training, or other military service requirements cutting into your class attendance. In addition to the considerations mentioned above for active duty service members, if you are a Guard member or Reservist, be sure to ask about the following:

• How does the school’s absence, add/drop, or class cancellation policy differ for members of the Guard or Reserve compared to active duty?
• What is required to add, drop, suspend, or withdraw from classes due to deployment, mobilization, etc? How do these policies specifically apply to Guard/Reserve students?
• Are there penalties for extended absences for military service? What are they and how do they apply to Guard/Reserve requirements?
• What documentation is required for Guard/Reserve students who need accommodation for military service?

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General Considerations For All Military Members And Veterans Looking For A Military-Friendly College Or University

There are many questions to answer about the college or university you are considering. For example, how does the college rank among its peers for your chosen major or specialty? What is the reputation of the school overall, and also among recent graduates in your area of study?

How far can you go at this institution of higher learning with your military education benefits? Does the school participate in state, federal, or self-generated programs to help extend how far your military benefits such as the GI Bill will go?

What are the school’s student-to-teacher ratios? How many are accepted into your chosen program of study and how many of that number graduate or successfully complete the program?

Is the program nationally accredited? Regionally accredited?

Does the school publish information about its success rates in placement after graduation? Not all schools do, but you may find that for-profit colleges (depending on the college) do and it’s important to know the difference between the school’s marketing hype and the reality of those published numbers. Study them if they are available.

When speaking to an admissions rep or college counselor, be sure to ask them about their experience working with students using the GI Bill, and whether or not state military education benefits (where offered) are accepted at the school, or if the school has a relationship with the VA or the state’s division of veterans’ affairs.

How To Research A College, University, Or Training Program

Social media can be a very useful tool for researching colleges, determining whether they meet your needs, or have issues that you should be aware of. One very good way to learn this information is by searching for alumni boards or groups on Facebook or related social media platforms. You may learn a great deal from current and former students by reading their posts about school experiences in such forums.

Not all colleges, schools, or training academies have bad reputations online, but if you aren’t sure about a particular school, consider a Google search on the term “(name of your school here) scam alert” or “(name of school here) complaints”.

Believe it or not, you may also find interesting and useful information by searching for the college on Yelp, Glassdoor, or other online rating websites. When using these resources, remember that many times the reviews should be taken with a grain of salt in varying degrees, but those sites can offer useful intel about a school that is borderline, or one that is outstanding.

You can also take a different approach by reviewing sites such as Indeed.com; search for your school and read the employee reviews left by faculty and staff. This information could prove quite useful in your decision making process.

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How To Choose A Military-Friendly College

The qualities of the college you select should include the following:

Tuition Price Breaks For Military Members

Does the school offer any perks for your military service? How do they compare to others who do and those that do not?

Credit For Military Experience

If your chosen college or training program does not allow you to get transfer credit for your military life experiences, training, or professional development programs, is this college going to be flexible with your needs as a military member in other ways?

Military-Specific Financial Aid

Does the college offer Yellow Ribbon-type tuition help for those who can’t quite cover the full cost of their education with the GI Bill or other military education benefits? If not, are there comparable colleges that do? These are important considerations to have on your checklist early on in your selection process.

Does The School Have On-Campus Support For Military Members? 

A college without an office or program to specifically address servicemember needs may be short-sighted in other areas, too. Is there an ROTC unit on campus? Are there student organizations with veteran or military focus? If you find yourself as an outsider due to your military status, this may be a situation that spills into other areas too-choose your campus carefully!

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Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News

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