military education guide
brought to you by
Beyond the the Post-9/11
Get even mor hil Dyer, CFP
By former Army Capt. P
navigating d your way th
Moaa helps you fin
the maze of SAF-Ret., C
By Lt. Col.
month 2005 Military officer 1
table of Contents
Beyond the Basics B
Get even more from the Post-9/11 Gi Bill.
navigating tuition G
Moaa helps you find your way through
the maze of college-funding options.
Decision time C
Publisher’s Advertising representatives
Choose or Lose D
James G. Elliott Co. Inc.
tie a Yellow ribbon F New York: (212) 588-9200
managing Student Loan Debt h Chicago: (312) 236-4900
Alternatives to College K Los Angeles: (213) 624-0900
30-Year roI L Contents of Military Officer articles are the opinions solely
online resources L of the authors and do not necessarily express the policy or
opinions of the publisher. Similarly, the advertisements do not
Scholarships for military Kids m reflect an endorsement by the association unless so indicated.
Military Officer is a registered trademark of MOAA.
What's a Degree Worth? n Printed in the USA.
2 Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e
military education guide
Beyond the Basics
Moaa experts answer
4 commonly asked
questions about the
Post-9/11 Gi Bill,
including how to transfer
your benefits to your
how the housing
benefit works. By former Army Capt. Phil Dyer, CFP®
ince the Post-9/11 Gi Bill months of MGiB benefits, he or she is
went into effect, many entitled to 28 months (36 minus eight)
have learned the ba- of Post-9/11 Gi Bill benefits. However,
sics of the bill, but if a servicemember has completely
fewer have learned exhausted all 36 months of his or
how to maximize her MGiB benefits and separately
its benefits. qualifies for the Post-9/11 Gi Bill, then
Below are four the servicemember is entitled to 12
common questions months of Post-9/11 Gi Bill benefits.
about the Post-9/11 this can be a problem if a service-
Gi Bill, with the infor- member has fewer than 12 months of
mation you need to make MGiB benefits remaining and chooses
an informed decision about your to transfer to the Post-9/11 Gi Bill. for
benefit. to brush up on the basics example, if a servicemember has used
of the Post-9/11 Gi Bill, visit www 30 months of MGiB benefits, with six
.moaa.org/gibill. months of eligibility remaining, and
Question 1: I have used some of my transfers to the Post-9/11 Gi Bill, he or
Montgomery GI Bill (MGIB) benefits. she will get only six months (36 minus
Does it make sense to transfer to the 30) of Post-9/11 Gi Bill benefits, there-
Post-9/11 GI Bill? by losing six months of educational
under current rules, servicemembers benefits. servicemembers who have
who have used some of their MGiB 50 percent or less of their MGiB ben-
benefits must subtract the number of efits left might be better off using their
months used from 36 to determine remaining MGiB benefits and picking
how many months of Post-9/11 Gi Bill up the 12 months of Post-9/11 Gi Bill
benefits they are entitled to. for exam- benefits to which they are entitled
ple, if a servicemember has used eight after exhausting the MGiB benefit.
PhOtOS: left And COver, ShUtterStOCk M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer B
this creates a dilemma if your least 50 percent of the way through students receive a housing benefit
primary goal is to transfer benefits to using your MGiB benefits, consider equal to the e-5 basic allowance for
your spouse and/or child(ren). you using those and picking up the 12 housing (BaH) (with dependents)
must irrevocably transfer any remain- months of Post-9/11 Gi Bill benefits. rate for the ZiP code in which their
ing MGiB benefits to the Post-9/11 n if you plan to transfer the ben- college or university is located. this
side to enable transferability, which efits to your spouse and/or child(ren), housing benefit is paid directly to a
could result in lost benefits. you must transfer any remaining student at the end of any month a
review the following: MGiB benefits to the Post-9/11 Gi tuition benefit is paid to the school.
n if you have used some MGiB Bill. if you have less than 12 months to qualify for the housing benefit, a
benefits, determine how many months of MGiB benefits left, you might want student must (1) attend a course of
you have remaining (check with the to use those for yourself, exhaust your study more than half-time and (2)
Va if you are unsure). MGiB benefits, and transfer the 12 attend at least one course a term at a
n if you plan to use the benefits months of Post-9/11 Gi Bill benefits to physical campus. under the current
for yourself, visit www.gibill.va.gov/ your spouse and/or child(ren). rules, distance learners — even if en-
documents/benefit_comparison_ n once you’ve made your decision, rolled full-time — do not qualify for
charts.pdf to determine whether stay- continue with the benefits’ transfer. the housing benefit.
ing with the MGiB makes more sense Question 2: How does the housing in undergraduate programs, full-
for your course of study. if you are at allowance work? time enrollment is considered 12 or
more credit hours per term/semes-
ter, so a student enrolled at seven or
Decision time more credit hours would receive the
housing benefit. a student enrolled in
Are you planning to transfer an undergraduate program at seven
benefits to your spouse or kids?
Housing Benefit Caveat: If you
no are on active duty and therefore
YeS already are receiving BAH or gov-
Will the Post-9/11 GI Bill ernment-provided housing, you
cover your course of study? are not entitled to a second BAH
Do you have through the Post-9/11 GI Bill. How-
more than 12 ever, active duty servicemembers
months left?* and their spouses currently have
YeS no no tuition cap, so the Post-9/11 GI
Bill can be used for more expen-
YeS sive graduate programs — such as
How many months Stick with
executive MBAs, medical degrees,
no of coverage do you the MGIB.
and law degrees — without the
Transfer your usual tuition restrictions.
credit hours per term could stretch 36
credit to the Less than 18 more than 18
Post-9/11 GI Bill. months of benefits out over 60 months
and receive the full housing benefit for
each of those 60 months.
Exhaust your MGIB ben- Could go either way.
Question 3: What do I enter into the
efits and get 12 months of Visit www.gibill.va.gov,
different fields in the transfer portal to
Post-9/11 GI Bill benefits. scroll down, and click on
transfer the benefits to a dependent?
Compare the Programs.
to complete the transfer of benefits in
the transfer portal (www.dmdc.osd
*Deduct the number of MGIB months used from 36 (or check with the
.mil/teB), complete these steps:
VA) to determine how many months you have left.
n confirm eligible beneficiaries:
your dependent must be in the de-
C Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e iMAgeS: ShUtterStOCk; fACing PAge, COlin hAyeS
military education guide
e Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e
military education guide
transfer status still shows up as “pend-
If you are part of a dual-military ing.” What is going on? tie a Yellow
couple and have children but are
not their sponsor, your children
it normally takes only a few busi-
ness days for your transfer to be ribbon ...
might not show up in your GI bill approved after you hit the submit
transfer portal as eligible benefi- button. However, many commands The Yellow Ribbon program is a
ciaries. To remedy this, simply (especially in the sea services) are partnership between the VA and
contact DEERS and perform an requiring additional paperwork to private schools. It allows degree-
“Admin Add” to have the children confirm you are eligible to serve granting institu-
recognized as dependents (this the four-year service obligation in- tions in the U.S. to
doesn’t change the sponsor). curred when transferring Post-9/11 voluntarily enter
Once this is complete, they should Gi Bill benefits to your spouse and/ into an agreement
show up in your transfer portal. or child(ren). commonly referred with the VA to fund
to as a “Page 13,” this document tuition expenses
fense enrollment eligibility report- must be completed and submitted that exceed the
ing system (deers). through your personnel office to highest public
if you think a dependent is eli- complete the transfer paperwork. in-state under-
gible but you can’t find him or her in Based on this new potential re- graduate tuition
the transfer portal, contact deers quirement, consider the following to rate. About 3,500
to correct any errors. Keep in mind, ensure your Post-9/11 Gi Bill transfer schools participate.
dependent children phase out of is as painless as possible: You must be
deers at age 23. n contact your personnel office to eligible for the
n start date: enter the day you see whether additional paperwork is Post-9/11 GI Bill at
are in the transfer portal making the needed for transfer eligibility. if so, the 100-percent rate. The GI bill
transfer as the start date. complete the paperwork asaP. pays up to the highest in-state
n end date: for a spouse, select n Go to the transfer portal and fol- tuition first; the Yellow Ribbon
a date that is 15 years after your ex- low the process from Question 3. program makes up all or part of
pected retirement or separation date. n check back in seven to 10 the difference between the high-
for a child, select the date of his or business days to ensure your trans- est in-state tuition and a school’s
her 26th birthday. fer status has changed from pending actual tuition. Participating
n number of months transferred: to approved. schools cover up to 50 percent of
you may split your months up howev- n if you remain in a pending status the gap, and the VA will match
er you see fit, but consider assigning at for more than 14 business days, check the school’s contribution. Ben-
least one month to each eligible ben- whether your personnel office re- efits vary by school, so check
eficiary so you can reallocate benefits ceived your completed paperwork. MO with your school’s financial aid or
after you leave the service. veterans' office before commit-
n agreement with transfer condi- IMPORTANT NOTE: The rules ting to anything.
tions: When you click “submit,” you outlined above were current as of Make sure the school plays
are surrendering irrevocably any Aug. 11, 2010. There are several by these described rules. Some
benefits under any previous educa- bills pending in Congress that schools have taken the VA’s por-
tion program. you also are accepting might create significant changes tion of the Yellow Ribbon tuition
an additional service obligation of in the Post-9/11 GI Bill implemen- payment and charged the student
four years. (special rules apply for tation process. Please check www the amount that is supposed to be
those retirement-eligible on or be- .gibill.va.gov and www.moaa.org/ covered by the school.
fore aug. 1, 2009, or those who will gibill for up-to-date information. Visit www.gibill.va.gov and
become retirement-eligible before click on Post 9/11 GI Bill & Other
aug. 1, 2012.) read the disclosures Programs to learn more about
— Former Army Capt. Phil Dyer,
carefully before submitting. CFP®, is deputy director, Benefits Infor-
the Yellow Ribbon program.
Question 4: I submitted my Post- mation and Financial Education. His last — MOAA Benefits Information
9/11 GI Bill transfer to my spouse and/or feature for Military officer was “Refund and Financial Education staff
child(ren) several months ago, and my Game Plan,” May 2010.
iMAge: ShUtterStOCk M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer F
With so many sources
of financial aid to
your options can be
helps you determine
what funding sources will
work for you and
your family. By Lt. Col. Shane ostrom,
oday, the costs of higher education easily can ex-
ceed $100,000 for four years at an average private college. even the
costs at an in-state public school could run you more than $50,000
for four years. While these numbers are daunting, you do have op-
tions — whether your child is only a few years old or currently is
applying to colleges.
time to save
according to the college Board, college costs typically in-
crease between 5 percent and 8 percent a year; if this trend
continues, the projected four-year cost at an in-state public
school for a child born in 2010 would be more than $191,000.
fortunately, there are options to help you start saving early.
529 plans or qualified tuition programs: 529 plans are college-savings ac-
counts offered by state governments. each state has its own plan. these ac-
counts are popular because they use tax-free money to pay for college. these
plans also offer you significant control over your money, including the ability
to change the beneficiary. using your own state’s 529 plan could provide a
state income tax deduction. However, you can shop for plans in any state, and
the money can be paid to a school in any state. Generally, go for an inexpen-
sive plan and keep a conservative allocation. the typical choices are prepaid
college plans, investment programs similar to the thrift savings Plan or
401(k) plans, investment plans based on fixed-age-related asset allocations,
or interest-earning insured accounts.
G Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e
military education guide
you determine how you will con-
tribute funds to the plan — in a lump
sum, systematically, or randomly.
total contributions are limited to a
maximum amount that varies by state,
but you can expect a limit of at least
$300,000 for most plans. contribu-
tions are not tax-deductible. the ben-
eficiary does not assume ownership of
the money at a specific age.
Coverdale Educational Savings
Accounts (ESA): these plans offer the
tax benefits of a 529 plan. in addition,
coverdale esa funds may be used to
pay for education-related costs from
kindergarten through 12th grade.
there are income limits for contribu-
tors, and you may not contribute more managing Student-Loan Debt
than $2,000 a year, per dependent,
and contributions must stop at age 18. Congratulations, America! The aggregate student-loan debt nationally
contributions are not tax-deductible. now has eclipsed credit card debt — $830 billion versus $827 billion
coverdale esa assets must be dis- as of June 2010 (www.finaid.org). According to the College Board, the
tributed no later than a beneficiary’s average graduating college senior leaves campus with student loans ex-
30th birthday. the assets of the plan ceeding $30,000; those who pursue a graduate degree easily can amass
can be rolled over to another plan. student debt totals well in excess of $100,000. So what’s the best way
the beneficiary may be changed to to manage student-loan debt? Consider the following tips:
a new beneficiary in the same family
by rolling over the plan. there are Avoid It: Parents are not required to provide their children
many complicated rules about using with four years of higher education at the institution of their choice. Ac-
this account in conjunction with the cumulating six-figure debt for an Ivy League liberal arts degree in a low-
american opportunity, Hope, life- paying field might not be the best investment. Consider a cost-benefit
time learning credits, and Qualified analysis of education outlays.
*Big changes are in store for these Create a Debt Repayment Plan Early:
plans starting in 2011, making them Most students defer student-loan repayment as long as possible, racking
much less attractive. You might want to up thousands of dollars in additional interest charges. Create a college-
consider spending these accounts down debt management plan as early as possible. Visit www.finaid.org/loans
or rolling assets over to a 529 plan in for outstanding tips and checklists on taming student-loan debt.
the near term. To roll into a 529 plan,
the beneficiary must remain the same. Consolidation: Loan consolidation can lower interest rates
Only withdrawals for college expenses and make management easier, but a student usually only gets one con-
will be tax-free. Any other withdrawals solidation after graduation. For tips on consolidating loans, as well as a
will be taxed as ordinary income and good calculator, visit www.finaid.org/loans/consolidation.phtml.
subject to a 10-percent penalty. The
maximum annual contribution is being Loan Forgiveness: A number of programs offer full or par-
reduced to $500 from $2,000. tial loan forgiveness through volunteer, military, and other opportunities.
Uniform Gifts to Minors Act/Uni- They might not be dream jobs, but they can be a good option — especially
form Transfers to Minors Act (UGMA/ given today’s job market. Consult www.finaid.org/loans/forgiveness.phtml
UTMA): uGMa/utMas are not to research loan-forgiveness options.
specifically education accounts. — By former Army Capt. Phil Dyer, CFP®
they are irrevocable trust accounts
PhOtO: ShUtterStOCk M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer h
GI Bill Savings
that provide a simple way to transfer excess of $1,900 must be included may be worth up to a maximum
money or property to a child for the on the contributor’s taxes. When the credit of $2,000. the american op-
child’s benefit — whatever the ben- child reaches the age of majority (ei- portunity tax credit made some of
efit and at any age. a uGMa is for ther 18 or 21, depending on your state the rules for the Hope credit more
cash and securities assets, while a laws), account ownership transfers lenient. the u.s. savings bond pro-
utMa accepts other types of prop- to the child. gram allows tax-exempt interest
erty (real estate, collectibles, etcet- Tax credits, deductions, and U.S. income on series ee and i bonds
era). these accounts offer flexibility savings bonds: there are income purchased after 1989. the savings
in how and when the assets can be limits with these options. the Hope bond program is complicated, so
used. up to $1,900 of unearned in- scholarship tax credit provides a consult a tax specialist before taking
come in these accounts may be taxed maximum tax credit of up to $2,500. action with your bonds. in addi-
at the child’s tax rate; everything in the lifetime learning tax credit tion to these tax credits and savings
I Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e illUStrAtiOnS: nAbeeh bilAl
military education guide
bonds programs, there also are tax How Ofﬁcers Become Indispensable…
deductions available for loan inter- Combine your background as an ofﬁcer with a graduate degree
est and educational expenses.
We provide two graduate degree
time to act programs that military ofﬁcers most often
if your child has started investigating receive, in business (MBA) and law (JD).
We work with the best schools in both areas
colleges, it’s also time to start looking
of study and have all the resources you need
for scholarships, loans, and grants. from admissions through employment.
the first — and perhaps most impor- Please visit us to receive free advisories
tant — step is completing the free and guides or sign up to network
application for federal student aid with ofﬁcers who have their
(fafsa) on or soon after Jan. 1 of graduate degrees.
your child’s senior year of high
school. the fafsa is the federal ap-
plication for financial aid used to de- www.militarymba.net
termine how much money you are
expected to contribute to the costs www.leaderstolawyers.net
of attending a college or university.
it also is used to apply for financial
aid from other sources, such as your Supporting you where you Serve...
state or your child’s school. Most col- Supporting you when you come home
leges will not give grants, scholar-
ships, or loans unless you complete
a fafsa. to start filling out the
fafsa, go to www.fafsa.ed.gov. for
an early estimate of your qualifying
amount, use the fafsa forecaster at
www.fafsa4caster.ed.gov. Built on a 120-year tradition, Troy University has actively
after you’ve completed your supported the military community for more than 50 years.
child’s fafsa, consult the college and Thank you and your families for your service and the sacriﬁces you have made for
career counselors at your child’s high
With more than 30 locations on military bases both home and abroad, TROY has
school as well as the financial aid of- been helping our servicemen and women and their families achieve their career
objectives for over 50 years. TROY is the top ranked public university in the State
fice at colleges your child is consider- of Alabama according to Forbes magazine and a “Best in the Southeast” university
ing for their advice about narrowing for six consecutive years by the Princeton Review. In addition, TROY’s eCampus is
named “Best Buy for Online Bachelor’s Degrees in Psychology and Human Services”
down your funding requirements and and for several online master’s programs by Geteducated.com.
choices. Here are some funding op- Troy University offers a broad range of online programs and serves its students from
60 locations around the world.
tions to get you started:
Scholarships and grants: Most 800-414-5756 | firstname.lastname@example.org | troy.edu
families prefer scholarships and
grants because the money typically NEED AN INTEREST FREE LOAN?
does not need to be paid back. schol-
Students (under age 24), who are
arships and grants sometimes have
children of former, active or retired
specific requirements for their ap-
officers or active or retired enlisted
plicants that don’t always pertain to
personnel from the seven uniformed
grades or financial need, so never
services are eligible to apply.
assume you won’t qualify. Visit
Moaa’s scholarship finder at www FIND OUT MORE
.moaa.org/scholarshipfinder or the email@example.com
college Board’s scholarship search
tool at http://apps.collegeboard.com/
M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer j
internships trade school art online education
college prep courses
Alternatives to College
Sometimes it seems everyone assumes college is the only correct path after high school. But college isn’t for
everyone. Some people aren’t ready academically, want to experience some life first, need to save to meet costs,
want time to consider options, want to pursue interests that don’t re-
quire college … you fill in the blank.
Students and their parents might want to consider alternative pro-
grams. For some career paths, college could be an unnecessary financial
burden when other forms of training or education would work just as
well. Trade schools, two-year colleges, three-year degrees, and certifica-
tion programs can replace the need for full-load colleges in many cases.
If you are a servicemember with both Post-9/11 GI Bill and Montgom-
ery GI Bill (MGIB) eligibility, carefully review which form of assistance
covers the type of educational program you hope to pursue. The MGIB
tends to provide more options for alternative educational programs, but
those benefits can't be transferred to your spouse and children.
High school graduates should develop a vision of where they want
to be in the future so they don’t lose their way as they deviate from the traditional college path. Wandering aim-
lessly after high school can be harmful to your future.
— Lt. Col. Shane Ostrom, USAF-Ret., CFP®
K Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e PhOtOS/iMAgeS: tktk
military education guide
30-year Annual Average Return
S&P 500 College Education 30-year Treasuries Gold
Loans: loans are the most com-
mon form of financial aid for higher online n www.finaid.org/otheraid/
education. loans can be a trap
because they are relatively easy to resources n www.finaid.org/scholarships
acquire, debt accumulates in small Government education sites:
chunks, and payments usually aren’t n www.students.gov
due until after graduation. consider n http://studentaid.ed.gov
and scroll down to Financial
carefully how loan repayment might Post-9/11 GI Bill information:
restrict a new graduate’s potential n www.moaa.org/gibill
n www.salary.com; click on Educa-
lifestyle and living standard. n www.gibill.va.gov
tion and scroll down to College Tu-
there are two types of loans:
ition Planner (under Quick Links)
private and those backed by the gov-
ernment. the government recently
mandated changes in the college
loan business. start by filling out a
fafsa in the last half of the senior
year of high school, and submit it to
tax benefits for education:
the schools your child is consider-
n www.irs.gov and search for
ing. if your child is accepted, that
school’s financial aid office will re-
port back on the scholarships, grants,
and government loans for which
your student is qualified.
Private loans usually go to a stu-
dent directly, with his or her parents
n www.collegeboard.com; under
cosigning the loan.
For Students, click on Scholarship
if the government is involved,
Search under Pay for College
loan interest rates will be lower,
PhOtOS: thiS SPreAd, ShUtterStOCk M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer L
there might be more beneficial re- Generally, the MGiB covers more numerous programs to help pay for
payment terms, and financial need educational and training options, school once you are in the service.
probably will be a factor. Govern- while the Post-9/11 Gi Bill can be n talk with your child about start-
ment loans include the Perkins loan more financially advantageous. the ing his or her first two years at a com-
and subsidized and unsubsidized Post-9/11 Gi Bill’s yellow ribbon pro- munity college. check to see whether
stafford loans. the Perkins loan gram also is a very valuable benefit your state has agreements that provide
and subsidized stafford loan are that provides tuition funding at pri- automatic access to four-year colleges
need-based and are in the student’s vate schools that might otherwise be from community colleges. However,
name. the unsubsidized stafford cost-prohibitive. make sure courses really are as rigor-
loan is not need-based. to learn more about the Post-9/11 ous, particularly in the sciences.
a federal Parent Plus loan is Gi Bill, visit www.moaa.org/gibill. n check out three-year degree
another loan option that is not need- plans to eliminate one year of costs.
based and is issued to the parents. other options n consider work-study programs,
The Montgomery GI Bill (MGIB) Here are some other ways to help al- which provide part-time university
and the Post-9/11 GI Bill: for service- leviate higher-education costs: employment to students.
members and their families, these n don’t forget about the education- n Give a direct donation to a
two programs can be primary meth- al opportunities associated with mili- school. consult your tax specialist
ods for paying for higher education. tary service. the service academies first, but this might be a way to earn
depending on how much service and rotc programs offer financial a tax deduction while helping pay for
time you have remaining, you might aid and scholarships; the uniformed a relative’s education costs. MO
have to make decisions regarding services university of the Health
— Lt. Col. Shane ostrom, USAF-ret.,
the MGiB and the Post-9/11 Gi Bill sciences educates and trains medi-
CFP®, is deputy director, Benefits Infor-
sooner rather than later so you don’t cal professionals; and the services mation and Financial Education. His last
lose the chance to transfer benefits select officers to attend law schools. feature for Military officer was “Before
to eligible beneficiaries. if you join the military first, there are You File,” February 2010.
Many groups offer post-secondary school scholar-
ships for children of active duty, former, and retired
servicemembers. Check out these programs, and re-
member to apply before the deadline.
Scholarships for Military Children are available to chil-
dren of active duty servicemembers or child survivors of
servicemembers. Each commissary awards at least one
$1,500 scholarship. Visit www.militaryscholar.org.
The U.S. Army Scholarship Foundation awards
$500 to $2,000 scholarships for up to four years.
See www.armyscholarshipfoundation.org for details.
The Marine Corps Scholarship Foundation provides
up to $30,000 over four years to surviving children of
Marine and Navy corpsmen killed in combat since Sept.
11, 2001. Learn more at www.mcsf.org.
Wings Over America Scholarship Foundation pro-
vides scholarships to dependent children and spouses
of the Naval Air Forces. They award more than 40
scholarships each year. Visit www.wingsoveramerica
.us for details.
— Anita Stone
m Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e PhOtOS: thiS SPreAd, ShUtterStOCk
military education guide
We WAnt to
heAr From YoU
discussion and click on
education Guide or write
to us at moAA, Attn:
editor, 201 n. Washington
St., Alexandria, vA 22314
to share your thoughts on
this new publication.
Unemployment rates and earnings for full-time wage and salary
workers age 25 and older, by educational attainment
SOUrCe: dOl M o a a’ s M i l i t a r y e d u c a t i o n G u i d e novemBer 2010 Military officer n
THE MOAA INFO EXCHANGE®
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officers and their families. We understand the challenges you face because
we’re officers just like you, and we’re ready to share our expertise and
experience. The MOAA Info Exchange® provides guides and reference
tools to help you navigate the challenges that arise at each stage of life.
Post-9/11 GI Bill: Maximize Your Benefits
Seven Steps to a Better Military Retirement
Marketing Yourself for a Second Career
Focus on You: A Career Handbook for Spouses
National Guard and Reserve Retirement Benefits
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DN: cn=MOAA Info Exchange,
o=MOAA, ou=MOAA Info Exchange,
Date: 2010.10.14 15:09:51 -04'00'
Military Officers Association of America
201 N. Washington St., Alexandria, VA 22314
1-800-234-MOAA (6622) • www.moaa.org
16 Military officer novemBer 2010 M o a a’ s M i l i t a r y e d u c a t i o n G u i d e PhOtOS/iMAgeS: tktk