If you’re serving in the Selected Reserve and considering advancing your education, Chapter 1606 of the Montgomery GI Bill (MGIB-SR) is one of the most practical and flexible benefits available to you. Whether you’re working toward a college degree, gaining technical skills, or exploring online education, this benefit provides monthly financial support while allowing you to maintain your civilian lifestyle.
What Is Chapter 1606?
Chapter 1606 is a veterans’ education benefit tailored exclusively for part-time military service members in the Selected Reserve. This includes those who serve in the following branches:
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Army Reserve
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Navy Reserve
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Air Force Reserve
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Marine Corps Reserve
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Coast Guard Reserve
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Army National Guard
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Air National Guard
Unlike other VA programs tied to active duty, Chapter 1606 is designed for reservists balancing civilian life with military commitments. It helps reduce out-of-pocket education costs through monthly, tax-free payments to support tuition, books, supplies, and more.
How Much Does Chapter 1606 Pay in 2025?
For 2025, full-time students using Chapter 1606 can receive up to $466 per month. Payment amounts adjust based on how many credit hours or the level of training you’re enrolled in:
| Enrollment Level | Monthly Payment (2025) |
|---|---|
| Full-Time | $466 |
| Three-Quarter Time | Approximately $349 |
| Half-Time | Approximately $232 |
| Less Than Half-Time | Approximately $116 (tuition only) |
Payments go directly to you, not your school, giving you the flexibility to spend them on rent, transportation, meals, or other educational expenses.
Who Is Eligible for Chapter 1606?
Eligibility is straightforward but requires ongoing commitment to your Reserve duties. To qualify, you must:
✅ Be actively drilling in the Selected Reserve
✅ Complete your Initial Active Duty for Training (IADT)
✅ Obtain a Notice of Basic Eligibility (NOBE), known as DD Form 2384-1
✅ Remain in good standing with your Reserve unit
✅ Enroll in a VA-approved program (college, trade school, etc.)
Active duty service is not required. Chapter 1606 specifically recognizes your part-time service.
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What Education Programs Can You Use It For?
Chapter 1606 is highly versatile and supports a wide array of educational pursuits:
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Associate or Bachelor’s Degrees
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Vocational or Technical Training
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On-the-Job Training (OJT) & Apprenticeships
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Licensing and Certification Programs
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Online or Distance Learning (VA-approved)
Tip: Consider combining Chapter 1606 with employer tuition reimbursement programs for even greater financial advantage.
How to Apply for Chapter 1606 Benefits
Applying is simple if you follow these steps:
✅ Step 1: Obtain Your NOBE
Get your Notice of Basic Eligibility (DD 2384-1) from your unit after completing IADT.
✅ Step 2: Submit VA Form 22-1990
Apply for your education benefits through VA.gov by submitting the Application for VA Education Benefits (Form 22-1990).
✅ Step 3: Choose a VA-Approved School
Use the VA’s School Search Tool to ensure your chosen program qualifies.
✅ Step 4: Verify Your Enrollment Monthly
Log into WAVE (Web Automated Verification of Enrollment) at www.gibill.va.gov to confirm your ongoing participation.
Why Chapter 1606 Is Worth Using
| Benefit | Details |
|---|---|
| Monthly Stipend | Up to $466/month (full-time) |
| Combine with Other Aid | Compatible with Tuition Assistance |
| Educational Flexibility | College, tech school, OJT, online |
| Civilian Lifestyle | No full-time active-duty required |
| Duration | Up to 36 months of benefits |
Bonus: How to Maximize Your Benefits
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Start early: Don’t wait until your last year of Reserve service to use your benefits.
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Stack your aid: Pair Chapter 1606 with state military grants or employer education incentives.
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Consider certifications: Industry certifications (IT, Project Management, etc.) can lead to high-paying jobs faster than traditional degrees.
Frequently Asked Questions (FAQs)
Do I have to serve on active duty to get Chapter 1606?
No. This program is specifically for those serving in the Selected Reserve on a part-time basis.
Can I take online classes?
Yes, as long as the school and course are VA-approved. Many reservists successfully complete degrees online while fulfilling drill obligations.
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How long can I use this benefit?
You can use up to 36 months of benefits, depending on your service duration and enrollment.
Can I combine Chapter 1606 with other benefits like the Post-9/11 GI Bill?
You may be eligible for multiple programs, but you cannot use them simultaneously for the same period. However, you can switch between programs strategically over time.
What happens if I leave the Reserves?
Generally, eligibility ends when you separate unless you were called to active duty, in which case different VA education programs may apply.
Final Thought: Invest in Your Future
Chapter 1606 might not be the most talked-about GI Bill, but it remains a hidden gem for Reservists. It allows you to pursue personal and professional growth without taking on debt—all while balancing your commitment to service. Use this benefit wisely, and it can lead to stronger career opportunities, higher pay, and a more secure future.
