The Post-9/11 GI Bill can help servicemembers pay for education and training by covering tuition, housing, books, and certain other fees. Whether you’re pursuing college, vocational training, or graduate studies, you can make the most of your education by understanding how your benefits are calculated.

Learn more about how GI Bill rates are determined, 2026 changes, and strategies to make the most of your GI Bill benefits below.

What Determines GI Bill Payment Rates 

GI Bill payment rates are influenced by several factors, which may differ based on your school type, location, length of service, and whether you’re attending full or part time. For example, private or out-of-state schools may have different tuition coverage, and part-time enrollment reduces certain benefits proportionally.

Each year, the Department of Veterans Affairs (VA) updates GI Bill rates using data from the Department of War’s Basic Allowance for Housing (BAH), as well as trends in college tuition. These updates, which ensure that your benefits reflect changes in living costs and educational expenses,  can help you plan for your schooling.

Core benefits include:

• Tuition and fee coverage: Covers up to the in-state maximum at public schools and may include certain fees at private institutions.
• Monthly Housing Allowance (MHA): Helps offset living costs while you attend school, with amounts varying by location and enrollment status.
• Books and supplies stipend: Provides funds to purchase textbooks and other materials for your courses.

Changes Since 2024

From the 2024–2025 academic year to 2025–2026, GI Bill payment rates were adjusted to reflect shifts in housing and tuition costs. Monthly Housing Allowances have increased in many high-cost areas where servicemembers and their families live while attending school. These adjustments were based on updated DoW BAH data to help make sure the stipend remains aligned with local rental markets.

Tuition caps for private and foreign schools have also changed, which means you may now have to pay fewer out-of-pocket expenses. Vocational and non-degree training programs may also see modest increases in funding to support those pursuing technical certifications or specialized career training. 

Future Changes to GI Bill Payment Rates

Changes to GI Bill payment rates are typically announced early each calendar year and take effect on August 1. For the most current information, refer to the Future Rates for Post-9/11 GI Bill page, which provides detailed insights into upcoming adjustments for the next academic year.

How Rate Changes Affect Students and Families

Because GI Bill rates change, you may need to reassess your budget to account for shifts in housing allowances, commuting expenses, and family needs. If you’re stationed in a high-cost area, such as a large metropolitan city, the increase in housing stipends can provide some relief. However, you should still budget for rent, utilities, and other daily expenses that the monthly stipend might not fully cover.

If you're planning to transfer benefits to a spouse or child, be aware that changes in rate structures could impact the amount transferred and when those benefits are available. It’s important to understand the timing and how updates may affect coverage for family members, especially those in different schools or locations.

Financial aid strategies should also be adjusted to account for any changes in GI Bill funding. While some educational costs may be better covered, others may still require additional financial aid or personal savings. Regularly review your specific financial aid package and make sure you’re receiving the maximum benefit or consider options such as work-study or school-specific grants to cover any gaps.

Tips for Planning Ahead

Proactive planning is one of the smartest things you can do while attending school on your GI Bill. Start by confirming your school’s tuition policies and eligibility percentages early in your process. Understanding your school’s specific deadlines or requirements for GI Bill beneficiaries upfront can help you avoid unpleasant surprises. Additionally, some schools may have unique Veteran programs or agreements that could influence your benefits, so it's worth reviewing your options before committing.

You should also look for supplemental scholarships or grants specifically for Veterans and their dependents. Many organizations, both private and public, offer additional funding that can help offset costs not fully covered by your GI Bill benefits. A good place to start is with local Veterans' groups, national organizations, and even your school’s financial aid office.

With the GI Bill Comparison Tool on the VA’s website, you can compare benefit rates across different schools, programs, and locations. Using this tool may help you gain a clearer picture of what your benefits will cover and whether there are gaps that need your attention. If you still need help, you can reach the VA’s Education Hotline at 888-GIBILL-1 (888-442-4551).

Finally, it’s wise to connect with a financial professional who specializes in military matters. Along with helping you align your education funding with your broader financial goals, these professionals can help you create a sustainable, realistic financial strategy that incorporates GI Bill benefits into your larger money picture. They can also provide guidance on tax implications or other financial considerations as you use your benefits.

Armed Forces Mutual Can Help

Be sure to make the most of your GI Bill benefits if you're returning to school to invest in your future after serving your country — and to get a quote for Armed Forces Mutual coverage to secure your future finances. Or, become a Subscriber today and gain full access to all of our online resources.