Vets: Is Your Education Sabotaged Before It Starts?

Pursuing education as a veteran presents unique opportunities and challenges. Many former service members are eligible for valuable benefits, but navigating the system can be tricky. Are you unknowingly sabotaging your educational journey before it even begins?

1. Skipping the FAFSA

One of the most common, and easily avoidable, mistakes is failing to complete the Free Application for Federal Student Aid (FAFSA). Many veterans assume their GI Bill benefits cover everything, but the FAFSA unlocks access to grants, scholarships, and low-interest student loans. These additional resources can significantly ease the financial burden of pursuing higher education. The application opens every year on October 1st, and deadlines vary by state. In Georgia, the priority deadline for state aid is typically in late March.

Pro Tip: Even if you think you won’t qualify for need-based aid, complete the FAFSA anyway. Some scholarships require it, regardless of your income.

2. Not Researching Program Approval

Just because a school accepts GI Bill benefits doesn’t automatically mean every program is approved. The Department of Veterans Affairs (VA) maintains a database of approved programs, called the WEAMS Institution Search. Before enrolling in any course, verify that it’s on the list. Otherwise, your benefits might not cover it. I had a client last year who enrolled in a coding bootcamp, assuming it was covered, only to discover it hadn’t been approved by the VA. He ended up having to take out a private loan to finish the program.

To use the WEAMS Institution Search, visit the VA website and enter the school’s name or OPE ID. Review the list of approved programs carefully. If you don’t see your program listed, contact the school’s certifying official before you enroll.

Common Mistake: Assuming that regional accreditation guarantees VA approval. While accreditation is important, it doesn’t automatically mean the VA will cover a specific program.

3. Ignoring the Cost of Living

Your GI Bill benefits, specifically the Post-9/11 GI Bill, include a Monthly Housing Allowance (MHA). However, this allowance is based on the zip code of your school and the E-5 with dependents Basic Allowance for Housing (BAH) rate. In expensive areas like Atlanta, the MHA might not cover all your living expenses. It is what it is, but you need to plan.

Before committing to a program, research the cost of living in the area. Consider rent, utilities, transportation, food, and other essential expenses. Use online cost of living calculators to get an estimate. If your MHA falls short, explore other funding options, such as part-time work, scholarships, or savings.

Pro Tip: Look for housing outside the immediate vicinity of the school. You might find more affordable options a short commute away. For example, living near Emory University in Druid Hills is expensive. But you might find cheaper options further east along the I-20 corridor.

4. Failing to Create a Budget

This is a big one, and it applies to everyone, not just veterans. Without a budget, it’s easy to overspend and fall into debt. Create a detailed budget that accounts for all your income (GI Bill benefits, employment income, etc.) and expenses (tuition, fees, books, living costs, etc.). Track your spending using budgeting apps like YNAB (You Need A Budget) or Mint. Identify areas where you can cut back and save money. For example, cooking at home instead of eating out can save hundreds of dollars each month. We ran into this exact issue at my previous firm. One of our veteran clients was struggling financially, despite receiving full GI Bill benefits. After helping him create a budget, he realized he was spending a significant portion of his MHA on entertainment and dining out. Once he adjusted his spending habits, he was able to manage his finances more effectively.

Common Mistake: Not accounting for unexpected expenses. Build a buffer into your budget for emergencies, such as car repairs or medical bills.

5. Neglecting Your Mental Health

Transitioning from military service to civilian life, especially while pursuing education, can be stressful. Many veterans experience mental health challenges, such as PTSD, anxiety, and depression. Don’t hesitate to seek help if you’re struggling. The VA offers a wide range of mental health services, including counseling, therapy, and medication management. Additionally, most colleges and universities have counseling centers that provide free or low-cost mental health support to students. The Atlanta VA Medical Center, located near Decatur, has a dedicated team of mental health professionals who specialize in working with veterans.

Pro Tip: Practice self-care techniques, such as exercise, meditation, and spending time with loved ones. These activities can help reduce stress and improve your overall well-being.

6. Ignoring Networking Opportunities

College isn’t just about academics. It’s also a chance to build your professional network. Attend career fairs, join student organizations, and connect with fellow veterans and alumni. Networking can open doors to internships, job opportunities, and mentorship. Many schools have veteran-specific organizations that can provide valuable support and networking opportunities. For example, the Student Veterans of America (SVA) has chapters at many colleges and universities across the country.

Common Mistake: Waiting until graduation to start networking. Begin building your network early in your academic career. This will give you more time to develop relationships and explore different career paths.

7. Not Asking for Help

Don’t be afraid to ask for help when you need it. Whether you’re struggling with coursework, financial issues, or mental health challenges, there are resources available to support you. Contact your school’s veteran services office, academic advisors, or counseling center. The VA also offers a variety of programs and services to assist veterans pursuing education. Remember, you’re not alone. Many veterans have successfully navigated the challenges of higher education, and they’re willing to share their experiences and offer guidance. I had a client who was failing his math class. He was too proud to ask for help, and he ended up dropping the course. If he had sought tutoring earlier, he might have been able to pass.

Pro Tip: Build relationships with your professors. Attend their office hours and ask questions about the material. This will not only help you understand the concepts better but also demonstrate your commitment to learning.

8. Forgetting to Track Your Progress

Regularly monitor your academic progress and ensure you’re on track to graduate. Keep track of your grades, credits earned, and remaining requirements. Use your school’s online portal to access your academic record. If you’re falling behind, seek help from your academic advisor or tutoring services. It’s easier to catch up early than to try to cram everything in at the last minute.

Common Mistake: Not understanding the requirements for your degree program. Review the program requirements carefully and create a plan to ensure you complete all necessary courses.

9. Overlooking Transfer Credits

Many veterans have earned college credit through military training or prior education. Don’t let those credits go to waste! Request official transcripts from your previous institutions and submit them to your current school for evaluation. The transfer credit process can be complex, so work closely with your academic advisor to ensure your credits are properly applied. Some schools are more generous than others when it comes to accepting transfer credits, so do your research beforehand.

Pro Tip: Create a portfolio of your military training and experience. This can help demonstrate the value of your skills and knowledge to potential employers.

10. Ignoring the Importance of Time Management

Balancing school, work, family, and other commitments can be challenging. Effective time management is essential for success. Create a schedule that allocates time for studying, attending classes, completing assignments, and other responsibilities. Use a planner or calendar to keep track of your appointments and deadlines. Prioritize tasks and break them down into smaller, more manageable steps. Avoid procrastination and try to stay organized. This is harder than it sounds, trust me.

Common Mistake: Trying to do too much at once. Learn to say no to commitments that will overwhelm you and prioritize your well-being.

By avoiding these common mistakes, veterans can maximize their educational opportunities and achieve their academic and career goals. It’s not always easy, but with careful planning and perseverance, anything is possible.

It’s also important to remember that vets skills translate, and you can find opportunities in the civilian world. Don’t be afraid to leverage your military experience to your advantage.

For some, vets with disabilities may face unique challenges, but there are resources to help.

Many veterans can also conquer debt with military benefits, so that’s an avenue to explore if you’re struggling financially.

Your journey through education as a veteran can be incredibly rewarding. By proactively avoiding these common pitfalls and leveraging available resources, you can set yourself up for academic success and a brighter future. Take the time to research, plan, and seek support when needed – you’ve earned it.