Veterans in the United States have access to one of the most helpful educational benefits through the Post-9/11 GI Bill (Chapter 33). Whether you’re planning to study at a public college, attend a vocational course, or get a degree, the GI Bill can cover a large part—or even all—of the cost. But how can you qualify for 90% of these benefits if you haven’t served the full 36 months?
This guide will explain everything in simple terms, including the eligibility requirements, what the benefits cover, and how to apply.
What Is the Post-9/11 GI Bill?
The Post-9/11 GI Bill is a benefit program from the Department of Veterans Affairs (VA). It provides financial help for tuition, housing, books, and supplies to eligible veterans and service members who served after September 11, 2001.
Depending on how long you’ve served, you get a certain percentage of the full benefit. This is called a tiered system, and it ranges from 50% to 100% of the total benefits.
How to Get 90% of the GI Bill Benefits
You don’t need to serve the full 36 months to receive strong support from the GI Bill. If you’ve completed between 910 and 1,094 days of active duty service (about 30 to 35 months), you qualify for 90% of the full benefit.
Here’s a quick look at the VA’s service tier system:
VA GI Bill Tiered Eligibility Chart
- 36+ months (1,095 days or more): 100% of benefits
- 30–35 months (910–1,094 days): 90% of benefits
- 24–29 months (730–909 days): 80%
- 18–23 months (545–729 days): 70%
- 6–17 months (180–544 days): 60%
- 90–179 days: 50%
Remember: Only service after September 11, 2001 counts toward these benefits. Any time served before that is not included.
What Does the 90% GI Bill Cover?
If you qualify for the 90% rate, you will get:
90% of in-state tuition and fees at public colleges or universities
90% of the housing allowance, based on the school’s location
Up to $900 per year (90% of the $1,000 maximum) for books and supplies
This amount of support makes it much easier for veterans to focus on their education or training without the stress of high student loan debt.
How to Apply for the Post-9/11 GI Bill
To apply, you’ll need a few things:
- Your military service record
- Details about the school or course you’re planning to attend
- Your bank account information for direct deposit
Then, apply through one of these methods:
- Online at VA.gov
- In person at any VA regional office
Once you apply, the VA will review your documents and confirm your benefit percentage based on your total active duty service.
The Post-9/11 GI Bill is one of the best educational benefits available to U.S. veterans, especially those looking for a fresh start in school or job training. If you served between 30 to 35 months after 9/11, you’re likely eligible for 90% of the full benefits—a powerful financial support to help you move forward. Make sure to gather your documents and apply early to get started on your next chapter.
FAQs
Who qualifies for 90% of the GI Bill benefits?
Veterans who served between 910 and 1,094 days (roughly 30 to 35 months) on active duty after September 11, 2001, qualify for 90% of the Post-9/11 GI Bill benefits.
What does 90% of the GI Bill cover?
It covers 90% of in-state public college tuition and fees, a monthly housing allowance, and up to $900 per year for books and supplies.
Does service before 9/11 count toward GI Bill benefits?
No. Only active duty service completed after September 11, 2001, counts toward eligibility for Post-9/11 GI Bill benefits.
How do I apply for the GI Bill?
You can apply online at VA.gov or in person at a VA regional office. You’ll need your service history, school details, and bank info for direct deposit.
How many months of coverage do I get?
Most veterans are eligible for up to 36 months of coverage under the Post-9/11 GI Bill.