Expert: Cynthia Bedell - 3/15/2005

Question
Hi there ...

I have two years of college and I'm out of money for additional college at this time. I am thinking that free room and board in the army would allow me to save up the money I need for my future education. Can you tell me what kind of benefits I would get at an entry level position in the army? Do you think it's better than civilian pay? Several recruiters have given me different information. Thanks for your time.

MB Hislop

Answer
Dear Mary Beth --

As someone who is about halfway to a bachelor's degree, you have many options.

First, you could apply for a two year Army ROTC scholarship.  That would allow you to finish your degree and then enter the Army as a second lieutenant.  You would owe the Army five years of active service and 3 more years of reserve service in exchange for tuition for school, a book stipend and a living stipend.

If you do not like that option, then you should try to finish an associates degree from the schooling you already have.  Joining the Army with an associates degree, increases your value to the Army and therefor your options.  You could negotiate a higher rank upon successful completion of your initial training, a warrant officer training option, or an officer candidate school option.  You must have these options in writing in your enlistment packet or they will not be honored.  Always keep in mind your recruiter will tell you anything you want to hear, but the only enforceable agreements are in writing in your enlistment packet -- the final packet that both you and the recruiting officer sign.

If you have post high school education, the Army is rarely better paying than the equivalent civilian job.  However, you will get medical and dental benefits, housing or a housing allowance and food, or a food allowance.  As a private you will make only $13,000 a year.  You can check out the military pay scales at the site below.

http://www.dfas.mil/money/milpay/pay/paytable2005-rev1.doc

If you do decide to enter the service, be sure you sign up for the GI Bill and pay your $100 a month for 12 months.  This investment of $1200, will allow you to get access to about $10000, in money for college.  It is a great investment.

Also think seriously about whether you are ready to risk your life at this time.  All service members are likely to have to serve in Iraq or Afghanistan in the next few years.  That may not be a chance you are willing to take, just to get money for college.  If you have more compelling reasons to serve your country, then I encourage you to do so.

Best of luck to you, whatever your decision is.