Will I Lose My Benefits For Accepting An Officer Program
Unfortunately, you will have to sacrifice future Navy CLRP benefits if you accept an Officer program. The way this works is that you can only receive benefits based on the number of years youve completed for your service agreement.
If you completed two years, but then enrolled in an Officer program during your third year of duty, then you would only receive two years worth of benefits.
Fortunately, you will not have to repay any of the benefits you had already received if you are promoted to Officer status.
Air Force Reserve Pay For A Person With Six Years Of Service
Here is a list of monthly paychecks according to rank for people who have six years of service in the Air Force Reserve:
- Basic Airman E-1: $224 per month
- Airman E-2: $251 per month
- Airman First Class E-3: $298 per month
- Senior Airman E-4: $355 per month
- Staff Sergeant E-5: $400 per month
- Technical Sergeant E-6: $434 per month
- Master Sergeant E-7: $496 per month
Receive Pay & Benefits As A Coast Guard Member
As an active-duty member in the Coast Guard, you’ll be privy to a benefits package that is largely unheard of for most people just starting out. College tuition assistance, housing and meal allowance, free health, dental and eye care, and 30 days paid vacation are just the beginning of the benefits offered.
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Regular Force And Class C Reserve Service
Pay rates for non-commissioned members of the Regular Force and Reservists on Class C service are listed below by rank, within each occupation groups. These are monthly pay rates and they are the latest rates available as of 1 April 2021 unless stated otherwise.
Within each rank there are a number of pay increments which represent automatic annual increases in pay to recognize advancements in experience, skill and knowledge. Some ranks have several pay levels based on entry plans to the Canadian Armed Forces. See pay overview for information on the factors that determine pay rates.
Am I Eligible For Education Benefits Under The Mgib
You may be eligible for education benefits under this program if you meet the requirements listed below.
One of these must be true:
- You have a 6-year service obligation in the Selected Reserve, or
- Youre an officer in the Selected Reserve and you agreed to serve 6 years in addition to your initial service obligation
Note: Your obligation must have started after June 30, 1985, or for some types of training after September 30, 1990.
And all of these must also be true:
- You complete your initial active duty for training , and
- You get a high school diploma or certificate of equal value, like a High School Equivalency Diploma or GED, before finishing IADT , and
- You stay in good standing while serving in an active Selected Reserve unit
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Additional Army Reserve Education Benefits
We have included this section because it can get confusing when looking at the different Army Reserve education benefits. Many are labeled tuition assistance, so here are a few notes to clarify:
- The Reserve Education Assistance Program is an almost $40,000 educational credit for Reservists serving after 9/11 who have been on at least 90 days of Active Duty service. In order to use this benefit, you must select it and forfeit the GI Bill. You may not use it in conjunction with other education benefits other than the College Fund Kicker.
- You are eligible by joining the Reserve for the Reserve GI Bill if you do not have enough accumulated Active Duty time you do not qualify for the Active Duty GI Bill. Please note that these are different.
- As a Reservist you are eligible for several Army scholarships and loan repayment programs to use with you TA. Ask your units education office for more information.
How Much Of My Student Loan Will The Military Repay
Currently, the Army and Navy will repay up to $65,000 of your student loans, the Coast Guard will repay up to $30,000 with yearly limits and the National Guard will repay up to $50,000. Remember that these are maximum amounts and may be limited only to very specific military specialties.
After each completed year of active duty your service branch will make a payment of 1/3 or $1,500 on the total remaining original unpaid principal balance. They make the payment directly to the loan servicer.
Payments are subject to taxes in the year it is paid. DFAS will send you a W-2 Form separate from the W-2 Form received for military pay. A percentage of the payment will be withheld therefore, it is important that you file income taxes with this W-2. Since payments are considered income, this withholding will deter a large tax bill at the end of the year. In general you will receive a refund from the IRS.
FOR EXAMPLE: $2,500 would be withheld from a $10,000. Potentially, you could get all the money back from the IRS and use the refund to make a payment on your student loans.
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Coast Guard Reserve Ta Benefits
As a Coast Guard Reservist, you are eligible for TA, but just like Active Duty Coast Guard, the benefit amount is less than your service counterparts. The following is some basic amounts regarding eligibility and TA amounts:
- To qualify you must be on long-term Active Duty orders of 180 days or more
- The annual cap is $2,250 for TA utilization
- To apply, the process is the same as Active Duty and is at the discretion of your Command
- Find out how to apply for Coast Guard TA
As a Coast Guard Reservist you may be eligible for the Montgomery GI Bill Selected Reserve benefit. This is separate from Tuition Assistance but will come up when you look at education benefits as part of the Coast Guard Reserve. What is important to note is all education benefits are based on type of service and length of service. Always read the fine print and find out what works best for you and your career goals.
Tia Christopher is a proud US Navy Veteran. Christophers writing has focused on explaining military benefits in plain language and helping fellow service members transition from the military. Christopher was recognized in 2013 by the White House as a Woman Veteran Champion of Change.
Anything Else I Need To Know About National Guard And Reserves Pay
There are also over 60 special and incentive military pays that you may or may not qualify for. If you do extra training, you can also earn more money from doing so.
Remember, every time you are working for the military, you will receive a military paycheck. If you are trying to learn more about how much money you would make as a National Guard or Reserve service member, this should give you an idea of what to expect.
CollegeRecon is a military education and transition resource. We provide online tools and actionable info to better understand your Post-9/11 GI Bill and military and veteran education benefits programs.
Find info on top online degree programs for military using their Post-9/11 GI Bill, as well as ways to pay for school such as scholarships for military and veterans. We can also assist you through your transition with certificate, training, and career options after you leave the military.
CollegeRecon is built exclusively for veterans, active military, the National Guard, Reserves, military spouses and dependents of the US Army, Marine Corps, Navy, Air Force, Coast Guard, and DoD to assist in their education journey.
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Defer Your Payments While On Active Duty
You can defer your student loan payments while on active duty and for 13 months after you return. The government will pay the interest on your Direct Loans and Federal Stafford Loans . You wont have to worry about interest accruing while youre not making principal payments.
If you have an unsubsidized loan, then you wont be able to have your interest paid while in deferment.
Fy 2021 Navy Tuition Assistance Benefits Updates
The following rates are effective immediately and are in place from October 1, 2020, through September 30, 2021. The rates after that will depend on the approved Navy budget.
2021 Tuition Assistance Rates: The Navy Tuition Assistance Program pays for 100% of up-front costs associated with tuition and fees for course enrollments, up to the following rates:
- $250.00 per semester hour, or
- $166.67 per quarter hour, or
- $16.67 per clock hour, AND
- Max Benefit Per Fiscal Year: $4,500
- Limited to a fiscal year cap of 12 semester hours, 18 quarter hours, or 180 clock hours . The fiscal year cap applies to both TA and Navy College Program Afloat College Education DL combined.
- Limited to a lifetime cap of 120 semester hours, 180 quarter hours, 1800 clock hours . The lifetime credit cap applies to both TA and NCPACE DL combined.
Note: The Navy often adjusts the annual credit hour limit. The previous rules had no cap, while others capped tuition assistance benefits at a maximum of 16 Semester Hours per Fiscal Year.
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Eligibility For Student Loan Repayment Programs
To be eligible for the student loan repayment program you must:
- Sign up for an original active-duty enlistment of at least 3 years with a qualifying specialty, or contract as an Officer candidate
- If enlisting in the National Guard, you must enlist for at least 6 years
- Have a qualifying ASVAB score.
- Have a student loan that is not in default. The loan must have been made prior to entry on active duty.
Only certain loans qualify, currently this includes:
- Stafford Student Loans
- Federally Insured Student Loans
- Supplemental Loans for Students
- Parents Loans for Undergraduate Students
- Consolidated Loan Program Loans
National Defense Student Loan Discharge
The National Defense Student Loan Discharge is for military members who served at least 1 year in an area deemed imminent danger or in direct fire. Your Perkins or Direct Loans would qualify.
How to Apply for National Defense Student Loan Discharge:
Fill out the Department of Defense form and send a letter to your loan servicer explaining why you think you qualify for the discharge. The discharge amount varies, so your servicer is the best point of contact.
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Navy Reserve Pay For 2021 Enlisted
The U.S. Navy Reserve consists of four different organizations:
- Selected Reserve
- Full-Time Support
- Retired Reserve
Reservists are required by the Navy to perform drills a minimum of one weekend per month, as well as two weeks of more intense active duty training.
Navy Reservists are compensated for their time equal to one days active duty base pay for each drill period .
One weekend of drills consists of four drill periods .
When Reservists are required to complete active duty training that lasts longer than a weekend he or she is compensated prorated Basic Pay.
In the end, Drill Pay is comparative to military personnel serving active duty stints.
The pay is determined first by military rank, and secondly by the length of service.
Below are various tables that break down expected Drill Pay for the Navy Reserve based on rank and years of service:
Selected Reserve Montgomery Gi Bill
As a Soldier in the Army Reserve, you can take advantage of the Montgomery GI Bill as a way to pay for your college education. This program pays up to $384 in monthly tuition payments for a maximum of 36 months, and a maximum total of $15,483 in tuition. These benefits must be used while you are still serving and cant be used after your service ends.
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A Patriotic Way To Pay For School
Radio.comLooking for more military-related information?Contact a recruiterMilitary.comIf youre a military veteran, check out these Veteran Scholarships that will help you pay for school.Are you a spouse or child to a current or veteran military member?College Scholarships for Military Children & Spouses
Naval Reserve Officers Training Corps
If you are interested in a collegiate scholarship program that pays for your education and molds you into a leader, consider the Naval Reserve Officer Training Corps Scholarship program, which you can apply for while in high school or college. These 2, 3 or 4-year scholarship and non-scholarship opportunities can lead you toward commissioning as a Naval Officer upon graduation.
The NROTC program also offers Summer Cruise Training where you can spend part of your summer vacations alongside Navy Officers in the field gaining on-the-job experience in various areas, including on-board a nuclear submarine, with aircraft carriers and aviation squadrons or in a foreign nation training with international branches.
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Nuclear Propulsion Officer Candidate Program
If you are interested in being part of one of the top nuclear programs in the world, look into the NUPOC program. It offers:
- Up to $168,300 while finishing your degree
- A regular monthly income ranging from $3,280 to $5,610 for up to 30 months prior to your graduation
- A generous military salary
- Naval Nuclear Power School Instructor
- Naval Nuclear Power Training Unit Instructor
Air Force Reserve Pay For A Person With 16 Years Of Service
The pay for Air Force Reserve members steadily increases over time. Here is a list of the monthly payment amounts according to rank after 16 years of service:
- Airman E-2: $251 per month
- Airman First Class E-3: $298 per month
- Senior Airman E-4: $355 per month
- Staff Sergeant E-5: $453 per month
- Technical Sergeant E-6: $540 per month
- Master Sergeant E-7: $615 per month
- Senior Master Sergeant E-8: $661 per month
- Chief Master Sergeant E-9: $768 per month
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Join The Military & Drastically Cut The Cost Of College
1.) Join the armed forces after high school and work on your college degree while youre on active duty.2.) Start college as a civilian , graduate with your associate or bachelors degree and become a military officer.3.) Serve in a military reserve branch or the National Guard while youre in college.4.) Apply as a student in a military academy.
Guide To Earning Military Drill Pay In The Air Force Reserve
People serving part time in the Air Force Reserve earn reserve enlisted military drill pay. Enlisting in the reserves offers a second income along with other benefits. If you are considering joining, it’s important to fully understand this payment system. In this article, we explain how Air Force Reserve pay works, present multiple payment charts and discuss additional benefits.
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Veterans Total And Permanent Disability Discharge
The Veterans Total and Permanent Disability Discharge is available to release veterans of their loans. You need to have a service-related disability thats documented by the Department of Veterans Affairs in order to qualify and be deemed permanently disabled. Most loans are eligible for forgiveness through this program.
How to Apply for Veterans Total and Permanent Disability Discharge:
What Happens When I Deploy
- When you deploy, you are being activated and will receive pay as if you were on active duty. This will include pays such as BAH, Family Separation Pay, Hostile Fire/Imminent Danger Pay, Hardship Duty Pay, Hazardous Duty Pay, Foreign Language Proficiency Pay, BAS and all of your pay while deployed will be tax-exempt.
- Of course, what you receive when you deploy will depend on where you are going, how long you are there, and what you qualify for.
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College Aid For Military Reservists
If you are a reservist in the United States Armed Forces, you may be eligible for Federal and/or State Tuition Assistance, as well as other educational programs that will help you to fund your higher education plans.
This Guide to Tuition Assistance & Educational Programs for Reservists will help you to better understand your rights and how to make them most of them to best provide for your educational future.
Applying For Navy Tuition Assistance Benefits
Eligible Sailors need to contact their Navy College Office or the Virtual Education Center to first satisfy the requirement of receiving their educational counseling. This can be done in person, by phone, by email, or virtually, at .
You will work with an academic advisor to help construct an education plan and to determine which classes you will request TA funding for. Your academic advisor may recommend you take CLEP/DSST tests to gain college credit in lieu of taking the actual courses if applicable.
This will help save you time and have additional funds available toward your credit limit cap each fiscal year. Taking college credit exams will also ensure more funds are available for others to take classes.
Allowable fees that can be funded under Tuition Assistance are:
- Fees directly required for course enrollment may be combined with tuition. Navy will pay fees that are published, mandatory, and charged for course enrollment not to exceed the caps of $250.00 per semester hour/$166.67 per quarter hour/$16.67 per clock hour.
- Mandatory non-reimbursable fees meeting the criteria listed above may be funded with TA. However, if the course is canceled allowing the tuition to be refunded, the student is responsible for paying the non-reimbursable fee.
- Sailors requesting payment of fees with tuition are responsible for providing accurate fee information to their Navy College Office or Virtual Education Center when applying for TA.
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