Research Note

Research Note 2017-03 Updates of ARI Databases for Tracking Army and College Fund (ACF), Montgomery GI Bill (MGIB) Usage for 2012-2013, and Post-9/11 GI Bill Benefit Usage for 2015 Winnie Young Human Resources Research Organization Personnel Assessment Research Unit Tonia Heffner, Chief January 2017 United States Army Research Institute for the Behavioral and Social Sciences

U.S. Army Research Institute for the Behavioral and Social Sciences Department of the Army Deputy Chief of Staff, G1 Authorized and approved for distribution: MICHELLE SAMS, Ph.D. Director Research accomplished under contract for the Department of the Army by Human Resources Research Organization Technical Review by Dr. Erin O Brien, U.S. Army Research Institute NOTICES DISTRIBUTION: This Research Note has been cleared for release to the Defense Technical Information Center (DTIC) to comply with regulatory requirements. FINAL DISPOSITION: Destroy this Research Note when it is no longer needed. Do not return it to the U.S. Army Research Institute for the Behavioral and Social Sciences. NOTE: The findings in this Research Note are not to be construed as an official Department of the Army position, unless so designated by other authorized documentation.

REPORT DOCUMENTATION PAGE 1. REPORT DATE (dd-mm-yy) October 2016 2. REPORT TYPE Final 3. DATES COVERED (from... to) July 2014 to April 2016 4. TITLE AND SUBTITLE Updates of ARI Databases for Tracking Army and College Fund (ACF), Montgomery GI Bill (MGIB) Usage for 2012-2013, and Post-9/11 GI Bill Benefit Usage for 2015 6. AUTHOR(S) Winnie Young 5a. CONTRACT OR GRANT NUMBER W91WAS-09-D-0013 5b. PROGRAM ELEMENT NUMBER 63307 5c. PROJECT NUMBER A792 5d. TASK NUMBER 329a 5e. WORK UNIT NUMBER 7. PERFORMING ORGANIZATION NAME(S) AND ADDRESS(ES) Human Resources Research Organization 66 Canal Center Plaza, Suite 700 Alexandria, Virginia 22314 9. SPONSORING/MONITORING AGENCY NAME(S) AND ADDRESS(ES) U.S. Army Research Institute for the Behavioral and Social Sciences 6000 6 th Street (Bldg 1464/Mail Stop 5586) Ft. Belvoir, VA 22060-5586 8. PERFORMING ORGANIZATION REPORT NUMBER 10. MONITOR ACRONYM ARI 11. MONITOR REPORT NUMBER Research Note 2017-03 12. DISTRIBUTION/AVAILABILITY STATEMENT Distribution Statement A: Approved for public release; distribution is unlimited. 13. SUPPLEMENTARY NOTES Contracting Officer s Representative and Subject Matter POC: Dr. Elizabeth Rupprecht 14. ABSTRACT (Maximum 200 words): This report describes the updating of the U.S. Army Research Institute s educational benefits usage database with Montgomery GI Bill and Army College Fund data for Army Regular, Reserve, and Guard components over the 2012 through 2014 period. For the Regular component, the report includes tabulations of program participation and benefit usage, type of educational program entered, and time between separation and start of education benefits. For Reserve and Guard components, the report includes tabulations by benefit eligibility status, VA training time type, and type of educational program entered. The tabulations are presented by entry cohort, going back to the 1985 entry cohort for all three components, and by separation year for the Regular component. Furthermore, this report also presents analyses of the Post-9/11 GI Bill on Regular and Reserve components based on the FY15 data files from Defense Manpower Data Center (DMDC). 15. SUBJECT TERMS Military education benefits 16. REPORT Unclassified SECURITY CLASSIFICATION OF 17. ABSTRACT Unclassified 18. THIS PAGE Unclassified 19. LIMITATION OF ABSTRACT Unlimited 20. NUMBER OF PAGES 21. RESPONSIBLE PERSON Tonia Heffner Chief, PARU U.S. Army Research Institute 703-545-4408 Standard Form 298 i

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Research Note 2017-03 Updates of ARI Databases for Tracking Army and College Fund (ACF), Montgomery GI Bill (MGIB) Usage for 2012-2013, and Post-9/11 GI Bill Benefit Usage for 2015 Winnie Young Human Resources Research Organization Personnel Assessment Research Unit Tonia Heffner, Chief U.S. Army Research Institute for the Behavioral and Social Sciences, 6000 6 th Street, Bldg 1464, Fort Belvoir, VA 22060 January 2017 Approved for public release; distribution is unlimited iii

UPDATES OF ARI DATABASES FOR TRACKING ARMY COLLEGE FUND (ACF), MONTGOMERY GI BILL (MGIB) USAGE FOR 2012-2013, AND POST-9/11 GI BILL BENEFIT USAGE FOR 2015 CONTENTS Page INTRODUCTION... 1 ARMY COLLEGE FUND DATABASE... 1 Background... 1 MONTGOMERY G.I. BILL DATABASE... 2 Background... 2 Files... 2 Preliminary Analysis... 2 Analysis for Tables... 3 POST-9/11 GI BILL DATABASE... 3 Background... 3 Preliminary Analysis... 4 Analysis for Tables... 6 TABULATIONS AND DOCUMENTATION... 7 APPENDIX A: MGIB FY12/FY13 UPDATES: REGULAR ARMY BY COHORT YEAR... A-1 APPENDIX B: MGIB FY12/FY13 UPDATES: REGULAR ARMY BY SEPARATION YEAR... B-1 APPENDIX C: MGIB FY12/FY13 UPDATES: ARMY RESERVE... C-1 APPENDIX D: MGIB FY12/FY13 UPDATES: NATIONAL GUARD... D-1 APPENDIX E: POST-9/11 GI BILL BENEFITS: RESERVE. E-ERROR! BOOKMARK NOT DEFINED. APPENDIX F: POST-9/11 GI BILL BENEFITS: ACTIVE ARMY... F-1 iv

Updates of ARI Databases for Tracking Army College Fund (ACF), Montgomery GI Bill (MGIB) Usage for 2012-2013, and Post-9/11 GI Bill Benefit Usage for 2015 Introduction The provision of educational benefits is an important and expensive Army program designed to aid recruiting and to address larger social goals. Accordingly, the US Army Research Institute for the Behavioral and Social Sciences (ARI) collects and analyzes program participation and benefit usage information and provides it to Army G-1 (Deputy Chief of Staff for Personnel) to support its reporting to Congress. The ARI educational benefits usage database pulls source data from Army personnel records, the Defense Manpower Data Center (DMDC), and the Veterans Administration (VA) Program. The source data includes participation and benefit usage rates for Army College Fund (ACF), Montgomery GI Bill (MGIB), and Post-9/11 GI Bill Benefit programs, calculated separately for each accession cohort. Three databases were processed, updated, analyzed, and archived in this effort. The ACF database contains data on individual Soldiers who enlisted between fiscal years 1981 and 1986; the MGIB database contains data on individual Soldiers who enlisted after 1 July 1985 and enrolled in the Montgomery GI Bill program. A third database is the Post-9/11 Veterans Educational Assistance Act of 2008 (Chapter 33) or Post-9/11 GI Bill. It contains information on a new veterans benefit program that went into effect on 1 August 2009. This program provides a vehicle for Soldiers who served after 11 September 2001 to receive educational benefits and also an option to extend such benefits to their spouse and dependents. Background Army College Fund Database The ACF/Chapter 32 database was updated on an annual basis from 1986 to 2002. The database was created originally using the Army Accessions data files from the U.S. Military Entrance Processing Command (MEPCOM). The database was divided into three separate cohorts: the FY81 and FY82 (FY81/82) accessions cohort, the FY83 and FY84 (FY83/84) accessions cohort, and the FY85 and FY/86 (FY85/86) accessions cohort. The data for each cohort were updated annually using the latest information on benefits usage from VA Chapter 32 data until 2002. At each update, critical information was first extracted from the VA data file and then merged into each of the three cohort files. A different set of variable names by time period and cohort was used for each update to support longitudinal analyses. At the end of each fiscal year, DMDC provides ARI with a de-identified (i.e., with all PII information removed) copy of the VA Chapter 32 data for selected record types. Nearly 3.9 million records were received on the FY10 VA benefit usage data file. These records are cumulative and contain information on contributions and benefit usage, educational objective and level, and related facility and training information. 1

Previous efforts from 1986 to 2002 used the most recent VA Chapter 32 data to update information on the ACF FY81/82, FY83/84, and the FY85/86 accessions cohorts. In this latest update, a decision was made to no longer request additional Chapter 32 data from DMDC. All DMDC ACF data from FY03 through FY10 were archived to facilitate future updates when there is such a need. Soldiers who enlisted before 1985 would now be close to 50 years old so continued benefits usage would be expected to be minimal. Background Montgomery G.I. Bill Database The MGIB database was started in 1991 and was originally updated on an annual basis. Since March 1993, ARI has received updates from DMDC each quarter. This allowed the analysis of MGIB usage on a quarterly basis. Around the fall of 1999, DMDC began to convert the existing legacy system into the Defense Enrollment Eligibility Reporting System (DEERS). As a consequence, no MGIB data were available from DMDC until April 2002. The first quarterly data containing Regular Army records received from DMDC after the conversion was as of September 2001, with a new record layout, data dictionary, and more variables than previously provided on the earlier quarterly files. With the help of DMDC staff familiar with the database, we were able to identify the variables needed for analysis. In April 2002 we also began receiving quarterly data files for Soldiers in the Army Reserve and National Guard. Prior to that point, data were only available for Soldiers in the Regular Army. Files Ten quarterly MGIB data files were processed for the current effort: September 2012 through December 2014, as the previous study ended with tabulations based on September 2011. Upon the processing of each quarterly de-identified data set, three sets of tabulations were created one for the Regular Army, one for the Army Reserve, and one for National Guard. Four quarterly MGIB data files were selected to be used to produce the tables: September 2012, December 2012, March 2013, and June 2013. The remaining six MGIB quarterly files that were not used for reporting were archived to CD. Preliminary Analysis While creating the March 2010 tabulations in the previous study, we discovered a problem with the MGIB Chapter 1606 (Reserve and Guard) data. There was a dramatic increase in cases where the VA Training Time Type Code (byte 55) and VA Training Category Code (byte 54) were coded as unknown. The VA Training Time Type Code described whether a Soldier used the benefits on a less than half-time, half-time, three-quarter time, or full-time basis. The VA Training Category Code variable described the type of education a Soldier pursued, such as undergraduate, graduate, or vocational/ technical. Overall, an alarming 94% of the cases had a value of "Z" for Unknown in one or both of these fields. This situation was reported to DMDC. Further inspection of these data indicated that the VA has erroneously updated the replication table with unknown values in these two variables. Over time, the VA Training Time Type Code variable has returned to a more acceptable 2

range of 81% of the unknown value instead of 94%. However, the VA Training Category Code remains missing for all cases. This resulted in the inability to generate Table 3 (Type of Educational Program Entered) in the current effort. Only Table 3 for the Reserve and National Guard tabulation was affected by this problem. The tabulations for the Regular Army were not affected. Analysis for Tables For the Regular Army component, this report includes tabulations of program participation and benefit usage, type of educational program entered, and time between separation and start of education benefits. For Reserve and Guard components, tabulations are provided by benefit eligibility status, VA training time, and type of educational program entered. The tabulations are presented by entry cohort, going back to the 1985 entry cohort for all three components. Benefit usage figures for recent cohorts in the Regular component are small / low as would be expected for this type of program. As each cohort ages and members leave the Service, usage rates pick up. An estimate of steady state usage rates can be inferred from the older cohorts. An additional set of tables was created under this effort for Regular Army that focuses on time between separation and MGIB benefit usage for veterans. Instead of using entry cohort, separation cohort from 1988 to 2013 was used in the analysis of benefits usage rates. Entry cohort included all Soldiers who entered the Army; the separation cohort is a subset of the entry cohort. The separation cohort was chosen because the purpose for this research was to only include cases who were separated from the Army. Benefit usage is reported for Veterans with three or four years of service and also for those with years of service greater than four years, and for those who took advantage of the program within first two years after separation and within 10 years after separation. Background Post-9/11 GI Bill Database On 1 August 2009, the newest GI Bill officially known as the Post 9/11 Veterans Educational Assistance Act of 2008 (Chapter 33) became effective. This new program provides Soldiers who served after 11 September 2001 the opportunity to receive full tuition and fees, a new monthly living stipend, as well as a books and supplies stipend. The Bill also extends these benefits to the spouse and/or dependents of the Soldiers who are qualified to participate in the program (benefits must be transferred before the Soldier separates from the military). The Post 9/11 GI Bill payments are based on the amount of creditable active-duty service since 10 September 2001. These benefits are also available to the Reserve and Guard members. Since 2009, DMDC has been charged with the task of capturing, processing, and extracting the Post 9/11 GI Bill data transferred from the VA. Based on a draft record layout available from DMDC in 2012, the Chapter 33 database contains about 150 data elements, although not all the data elements were populated at the time the record layout was created. The data elements include information about the Soldier, including paygrade, personnel status, entitlement condition, incentives taken, VA education program and payment information, as well as information about benefit transferability and the transferee (dependent). 3

ARI received the Post-9/11 research data from DMDC in December 2015. The files captured the benefit data from 2009 to September 2015. A total of three data files with associated record layouts and data documentation were received from DMDC: a file associated with the Sponsor, a file associated with the transfer of benefits from Soldier to dependent, and a file associated with the dependent (transferee, if any). Preliminary Analysis Preliminary descriptive statistics were run on all three files and all the relevant variables to verify the accuracy of the layouts and coded values. The Sponsor file has 538,290 cases and 96 variables. Based on the descriptive statistics, there were eight variables that have all zeros or missing data (see Table 1). Table 1-A: Sponsor Variables with Missing Data Item # Item Name Item Type Width Position/Location 39 Incentive Kicker Begin Date Char 8 Pos. 223-230 40 Incentive Re-Enlistment Kicker Begin Date Char 8 Pos. 231-238 42 Incentive Kicker End Date Char 8 Pos. 247-254 43 Incentive Re-Enlistment Kicker End Date Char 8 Pos. 255-262 72 VA Chap 33 Lump Sum Kicker Payment Amount Num 9 Pos. 469-477 73 VA Chap 33 Lump Sum Kicker Payment Date Char 8 Pos. 478-527 86 VA Training Award Begin Calendar Date Char 8 Pos. 582-589 87 VA Training Award End Calendar Date Char 8 Pos. 590-597 We also identified 21 variables (see Table 1-B) that had fewer than 10% of the cases with valid values and therefore not suitable for all analyses. Table 1-B: Sponsor Variables with Few Valid Values Item # Item Name Item Type Width Position/Location 19 Initial Entry Training End Date Char 8 Pos. 117-124 34 Reserve Component Category End Date Char 8 Pos. 195-202 41 Incentive Student Loan Repayment Begin Date Char 8 Pos. 239-246 56 VA Benefit Payment Dependent Amount Num 11 Pos. 311-321 60 VA Rural Benefit Payment Amount Num 9 Pos. 367-375 61 VA Rural Benefit Payment Date Char 8 Pos. 376-383 64 VA Tutorial Assistance Payment Amount Num 9 Pos. 401-409 65 VA Tutorial Assistance Payment Date Char 8 Pos. 410-417 66 VA Yellow Ribbon Payment Amount Num 9 Pos. 418-426 67 VA Yellow Ribbon Payment Date Char 8 Pos. 427-434 68 VA Chap 1606 Lump Sum Kicker Payment Amount Num 9 Pos. 435-443 69 VA Chap 1606 Lump Sum Kicker Payment Date Char 8 Pos. 444-451 70 VA Chap 30 Lump Sum Kicker Payment Amount Num 9 Pos. 452-560 71 VA Chap 30 Lump Sum Kicker Payment Date Char 8 Pos. 461-468 76 VA License and Certification Payment Amount Num 9 Pos. 503-511 77 VA License and Certification Payment Date Char 8 Pos. 512-519 4

78 VA National Exam Payment Amount Num 9 Pos. 520-528 79 VA National Exam Payment Date Char 8 Pos. 529-536 80 VA Ch30 Refund Payment Amount Num 9 Pos. 537-545 81 VA Ch30 Refund Payment Date Char 8 Pos. 546-553 As the Post-9/11 database continues to mature, some or all of these variables may be populated over time. The Dependent file has 123,056 cases and 54 variables. This file contains duplicate records for those sponsors who have more than one dependent on the benefit program. A total of 85,888 (83%) unique records represent those who sponsored one dependent, where 15,567 (15%) of the records sponsored two dependents and the remaining 1,955 (2%) cases sponsored three or more dependents. Based on the descriptive statistics, there were four variables that have all zeros or missing data (see Table 1-C). These four variables are: Table 1-C: Dependent Values with Missing Data Item # Item Name Item Type Width Position/Location 10 VA Education Entitlement Months Quantity Num 2 Pos. 41-42 14 VA Benefit Payment Months Quantity Num 2 Pos. 56-57 33 VA Chap 33 Lump Sum Kicker Payment Amount Num 9 Pos. 216-224 34 VA Chap 33 Lump Sum Kicker Payment Date Char 8 Pos. 225-249 We also identified 16 variables that had fewer than 10% of the cases with valid values. These 16 variables are: Table 1-D: Dependent Variables with Few Valid Values Item # Item Name Item Type Width Position/Location 6 Transfer End Date Char 8 Pos. 32-39 21 VA Rural Benefit Payment Amount Num 9 Pos. 114-122 22 VA Rural Benefit Payment Date Char 8 Pos. 123-130 25 VA Tutorial Assistance Payment Amount Num 9 Pos. 148-156 26 VA Tutorial Assistance Payment Date Char 8 Pos. 157-164 28 VA Yellow Ribbon Payment Date Char 8 Pos. 174-181 29 VA Chap 1606 Lump Sum Kicker Payment Amount Num 9 Pos. 182-190 30 VA Chap 1606 Lump Sum Kicker Payment Date Char 8 Pos. 191-198 31 VA Chap 30 Lump Sum Kicker Payment Amount Num 9 Pos. 199-207 32 VA Chap 30 Lump Sum Kicker Payment Date Char 8 Pos. 208-215 37 VA License and Certification Payment Amount Num 9 Pos. 250-258 38 VA License and Certification Payment Date Char 8 Pos. 259-266 39 VA National Exam Payment Amount Num 9 Pos. 267-275 40 VA National Exam Payment Date Char 8 Pos. 276-283 41 VA Ch30 Refund Payment Amount Num 9 Pos. 284-292 42 VA Ch30 Refund Payment Date Char 8 Pos. 293-300 The Transfer file has 1,118,962 cases and 14 variables. This file contains transaction records regarding the transfer of benefits from Army active service members and veterans to their 5

dependents. This file contains one or more transaction records per sponsor; about 38% of the cases only have one record in the transfer file, 27% have two records, 22% have three records, and about 0.01% have 10 or more records. The average is about 2.17 records per sponsor. Preliminary analysis also showed that most of the dependent transferees were children (69% of the cases), with spouses (26%) and step-children (5%) also being dependent transferees. We focused our initial analysis of the Post-9/11 data on the sponsor file in an attempt to replicate analyses similar to those from Chapter 30 and Chapter 1606. One of the key factors in those analyses was to compare the eligibility sample against the user sample to estimate the percentage of eligible who make use of the benefit. After much discussion with DMDC staff familiar with the Post -9/11 data files and records, we learned that the sponsor file only contains current users who have signed up and used the benefits. The file does not contain cases that are eligible but have not applied for and used the program. Unfortunately, it is not possible to identify the eligible sample within the scope of this effort. After several initial attempts in generating meaningful statistics, we identified a new set of tabulations for these data. Analysis for Tables The final set of tables was developed in coordination with the U.S. Army Human Resources Command Army Continuing Education Division (HRC-ACES). Active Army Tables. Three tables were created focusing on the Active component. The first table (Table E1) used Active component category code for those who used Post-9/11 benefit and was separated by Time in Service and VA Benefit Year from 2009 through 2015. Benefit usage was further broken down separately for Enlisted, Warrant Officers, Officers, and Cadets (Tables E2- E4). The second table is similar to the first table with two additional variables added: VA Payment Percentage Rate Code and VA Payment Benefit Amount. For VA Payment Percentage Rate Code, we used the Post-9/11 tiers of 40%, 50%, 60%, 70%, 80%, 90% and 100% (Tables E5-E16). The third table presented similar information as the first table but was restricted only to those sponsors who had been approved for transfer with Transferability Service Representative Verification. Reserve Tables. An additional three tables were created focusing on the Reserve component. The first table used Reserve component category code for those who used Post-9/11 benefit and grouped into four categories: Selected Reserve (SELRES), Individual Ready Reserve (IRR), Standby, and Retired. The table was separated by Time in Service and VA Benefit Year from 2009 through 2015. Benefit usage was further broken down separately for Enlisted, Warrant Officers, Officers, and Cadets. The second table is similar to the first table with two additional variables added: VA Payment Percentage Rate Code and VA Payment Benefit Amount. For VA Payment Percentage Rate Code, we used the Post-9/11 tiers of 40%, 50%, 60%, 70%, 80%, 90% and 100%. The third table presented similar information as the first table but was restricted only to those sponsors who had been approved for transfer with Transferability Service Representative Verification. 6

Tabulations and Documentation Tabulations of the updated MGIB databases are presented in four appendixes. As described previously, each appendix presents a series of tables for each analysis group (e.g., cohort year), as detailed below. Each series of tables is presented four times, representing quarterly reports generated for September 2012, December 2012, March 2013, and June 2013. Appendix A: MGIB Regular Army Analysis Tables (by Cohort Year) Takers Users Percent Users Type of Educational Program Entered Time Between Date of Separation and Start of Army College Fund Time Between Date of Separation and Start of Army College Fund (Percent of Cohort) Time Between Date of Separation and Start of MGIB Alone Usage Time Between Date of Separation and Start of MGIB Alone Usage (Percent of FY Cohort) Appendix B: MGIB Regular Army Analysis Tables (by Separation Year) MGIB Benefit Usage for Veterans with 3-4 Years of Service (within 2 years after separation) MGIB Benefit Usage for Veterans with More Than 4 Years of Service (within 2 years after separation) MGIB Benefit Usage for Veterans with 3-4 Years of Service (within 10 years after separation) MGIB Benefit Usage for Veterans with More Than 4 Years of Service (within 10 years after separation) MGIB Benefit Usage for Veterans with 3 or More Years of Service (within 2 years after separation) MGIB Benefit Usage for Veterans with 3 or More Years of Service (within 10 years after separation) Appendix C: MGIB Army Reserve Analysis Tables and Appendix D: MGIB National Guard Analysis Tables SR Basic Benefit Eligibility Status VA Training Time Type Type of Educational Program Entered FY1985-2010 Cohorts Tabulations of the Post-9/11 databases are presented in two appendixes. As described previously, each appendix presents a series of tables for each analysis group (i.e., Reserve and Active Army), as detailed below. 7

Appendix E: Post-9/11 Analysis Tables (for Active Army) Benefit Usage (from 2009-2015) by Time in Service VA Payment Benefit Amount by Time in Service, and VA Payment Percentage Rate Code Transferability Report with approved status Appendix F: Post-9/11 Analysis Tables (for Reserve Component) Benefit Usage (from 2009-2015) by Reserve Component Category Code and Time in Service VA Payment Benefit Amount (from 2009-2015) by Reserve Component Category Code and Time in Service, and VA Payment Percentage Rate Code Transferability Report with approved status from 2009-2015 8

APPENDIX A MGIB FY12/FY13 UPDATES: Regular Army by Cohort Year A-1

September 2012 Table A1: Takers as of September 2012 Cohort MGIB Alone 2YR ACF 3YR ACF 4YR ACF 5_6YR ACF Total ACF Total 1985 11136 3316 2912 6132 0 12360 23496 1986 61769 10023 8646 10732 0 29401 91170 1987 76694 10175 10015 2884 0 23074 99768 1988 83616 4586 6155 4405 0 15146 98762 1989 92623 5191 5242 3716 0 14149 106772 1990 62497 5013 5428 9156 0 19597 82094 1991 49049 4737 4428 11040 1 20206 69255 1992 48660 4402 5164 13488 0 23054 71714 1993 47491 2075 6928 7154 0 16157 63648 1994 45763 1826 4444 4653 0 10923 56686 1995 43177 1617 5007 4867 0 11491 54668 1996 54470 1332 3706 7317 0 12355 66825 1997 67541 534* 1073* 2955* 0 4562* 72103 1998 60497 468* 1151* 3137* 0 4756* 65253 1999 57891 309* 917* 3399* 0 4625* 62516 2000 54341 571 1662 9467 0 11700 66041 2001 56892 530 1814 7870 0 10214 67106 2002 55623 429 2104 7648 0 10181 65804 2003 52516 344 1326 6587 0 8257 60773 2004 63141 244 1815 3693 0 5752 68893 2005 51842 93 2108 5658 415 8274 60116 2006 56038 300 3249 5407 1502 10458 66496 2007 50852 351 2367 5337 4277 12332 63184 2008 47640 175 5301 5495 3213 14184 61824 2009 43322 8 7382 5370 2673 15433 58755 2010 47327 1 8153 7120 2220 17494 64821 2011 56864 0 198 214 109 521 57385 2012 57996 0 2 1 1 4 58000 Total 1557268 58650 108697 164902 14411 346660 1903928 *An undercount of Army College Fund (ACF) participants for the 1997-1999 cohorts was acknowledged in 1999 by the Army Personnel Command (PERSCOM). The undercount was a result of the ACF data element not being populated in the Army system for those years. After the problem was discovered, PERSCOM attempted to re-capture the missing information for those cases. Unfortunately, many of the 1997-1999 Army cases had already separated from active duty and their records no longer existed in the Total Army Personnel Data Base (TAPDB) system. A-2

Table A2: Users as of September 2012 Cohort MGIB Alone 2YR ACF 3YR ACF 4YR ACF 5-6YR ACF Total ACF Total 1985 5066 2474 1994 3608 0 8076 13142 1986 23664 6911 5574 5809 0 18294 41958 1987 29504 7241 6460 1761 0 15462 44966 1988 31324 3371 4089 2856 0 10316 41640 1989 33807 3941 3650 2514 0 10105 43912 1990 21556 3355 3513 5543 0 12411 33967 1991 15430 2997 2628 6027 1 11653 27083 1992 16426 2707 3064 7231 0 13002 29428 1993 15496 1270 4121 3764 0 9155 24651 1994 14972 1088 2425 2460 0 5973 20945 1995 14339 958 2884 2474 0 6316 20655 1996 17929 822 2043 3775 0 6640 24569 1997 22158 457 948 2198 0 3603 25761 1998 19116 364 926 2259 0 3549 22665 1999 17819 238 697 2366 0 3301 21120 2000 16077 369 1109 4815 0 6293 22370 2001 16019 328 1034 3493 0 4855 20874 2002 14314 214 944 2621 0 3779 18093 2003 11002 96 272 1626 0 1994 12996 2004 9050 54 274 366 0 694 9744 2005 3630 27 236 314 58 635 4265 2006 1940 49 157 191 65 462 2402 2007 846 12 49 107 67 235 1081 2008 334 1 55 45 25 126 460 2009 148 0 23 14 8 45 193 2010 41 0 7 8 1 16 57 2011 12 0 0 1 0 1 13 2012 1 0 0 0 0 0 1 Total 372020 39344 49176 68246 225 156991 529011 A-3

Table A3: Percent Users as of September 2012 Cohort MGIB Alone 2YR ACF 3YR ACF 4YR ACF 5_6YR ACF Total ACF Total 1985 45.50% 74.60% 68.50% 58.80% 0.00% 65.30% 55.90% 1986 38.30% 69.00% 64.50% 54.10% 0.00% 62.20% 46.00% 1987 38.50% 71.20% 64.50% 61.10% 0.00% 67.00% 45.10% 1988 37.50% 73.50% 66.40% 64.80% 0.00% 68.10% 42.20% 1989 36.50% 75.90% 69.60% 67.70% 0.00% 71.40% 41.10% 1990 34.50% 66.90% 64.70% 60.50% 0.00% 63.30% 41.40% 1991 31.50% 63.30% 59.30% 54.60% 100.00% 57.70% 39.10% 1992 33.80% 61.50% 59.30% 53.60% 0.00% 56.40% 41.00% 1993 32.60% 61.20% 59.50% 52.60% 0.00% 56.70% 38.70% 1994 32.70% 59.60% 54.60% 52.90% 0.00% 54.70% 36.90% 1995 33.20% 58.20% 57.60% 50.80% 0.00% 55.00% 37.80% 1996 32.90% 61.70% 55.10% 51.60% 0.00% 53.70% 36.80% 1997 32.80% 85.60% 88.40% 74.40% 0.00% 79.00% 35.70% 1998 31.60% 77.80% 80.50% 72.00% 0.00% 74.60% 34.70% 1999 30.80% 77.00% 76.00% 69.60% 0.00% 71.40% 33.80% 2000 29.60% 64.60% 66.70% 50.90% 0.00% 53.80% 33.90% 2001 28.20% 61.90% 57.00% 44.40% 0.00% 47.50% 31.10% 2002 25.70% 49.90% 44.90% 34.30% 0.00% 37.10% 27.50% 2003 20.90% 27.90% 20.50% 24.70% 0.00% 24.10% 21.40% 2004 14.30% 22.10% 15.10% 9.90% 0.00% 12.10% 14.10% 2005 7.00% 29.00% 11.20% 5.50% 14.00% 7.70% 7.10% 2006 3.50% 16.30% 4.80% 3.50% 4.30% 4.40% 3.60% 2007 1.70% 3.40% 2.10% 2.00% 1.60% 1.90% 1.70% 2008 0.70% 0.60% 1.00% 0.80% 0.80% 0.90% 0.70% 2009 0.30% 0.00% 0.30% 0.30% 0.30% 0.30% 0.30% 2010 0.10% 0.00% 0.10% 0.10% 0.00% 0.10% 0.10% 2011 0.00% 0.00% 0.00% 0.50% 0.00% 0.20% 0.00% 2012 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% A-4

Table A4: Type of Education Program Entered as of September 2012 Raw Numbers ACF MGIB ALONE Total Database Education Level Code A: Graduate 8011 18409 26420 B: Undergraduate 136680 303164 439844 C: Non-Degree, College 3139 13428 16567 D: Voc/Tech, Post HS 9137 36911 46048 Z: Unknown 24 108 132 Total 156991 372020 529011 Percent ACF MGIB ALONE Total Database Education Level Code A: Graduate 5.10% 4.95% 4.99% B: Undergraduate 87.06% 81.49% 83.14% C: Non-Degree, College 2.00% 3.61% 3.13% D: Voc/Tech, Post HS 5.82% 9.92% 8.70% Z: Unknown 0.02% 0.03% 0.03% Total 100.00% 100.00% 100.00% Note. Frequency missing = 1185 A-5

Table A5: Time Between Date of Separation and Start of Army College Fund as of September 2012 A-6 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 127 4483 1276 608 420 298 203 167 125 220 7927 1986 347 10064 2914 1352 933 646 473 389 315 524 17957 1987 318 8584 2540 1225 725 461 422 299 252 400 15226 1988 185 5745 1880 809 457 288 245 164 153 225 10151 1989 204 5592 1795 755 409 363 243 192 156 251 9960 1990 267 6176 2166 1038 651 466 391 317 300 427 12199 1991 345 5615 1986 965 630 479 350 352 271 444 11437 1992 409 5771 2229 1226 796 642 465 404 348 502 12792 1993 286 3810 1753 865 563 446 362 325 264 330 9004 1994 211 2427 1122 657 371 315 235 195 133 226 5892 1995 189 2428 1263 718 465 292 282 207 181 203 6228 1996 160 2512 1374 783 483 346 261 228 159 218 6527 1997 76 1514 862 385 259 159 128 66 68 50 3567 1998 74 1505 883 437 236 156 76 64 43 24 3498 1999 56 1535 824 392 190 125 70 49 23 9 3273 2000 124 2975 1480 708 420 230 143 61 25 12 6178 2001 130 2441 1136 534 273 150 61 29 8 2 4764 2002 107 2038 898 370 169 60 30 8 2 0 3682 2003 62 1187 400 159 61 32 4 2 1 0 1906 2004 17 486 115 32 12 8 1 2 0 0 673 2005 36 414 108 26 6 2 0 0 0 0 592 2006 27 315 58 22 3 1 0 0 0 0 426 2007 16 186 22 6 2 0 0 0 0 0 210 2008 6 91 9 0 0 0 0 0 0 0 106 2009 2 26 3 2 0 0 0 0 0 0 33 2010 0 8 2 0 0 0 0 0 0 0 10 2011 0 1 0 0 0 0 0 0 0 0 1 Total 3781 77907 29098 14074 8534 5968 4443 3520 2827 4067 154219 Table A6: Time Between Date of Separation and Start of Army College Fund as of September 2012 (Percent FY Cohort)

A-7 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 1.60% 56.60% 16.10% 7.70% 5.30% 3.80% 2.60% 2.10% 1.60% 2.80% 100.00% 1986 1.90% 56.00% 16.20% 7.50% 5.20% 3.60% 2.60% 2.20% 1.80% 2.90% 100.00% 1987 2.10% 56.40% 16.70% 8.00% 4.80% 3.00% 2.80% 2.00% 1.70% 2.60% 100.00% 1988 1.80% 56.60% 18.50% 8.00% 4.50% 2.80% 2.40% 1.60% 1.50% 2.20% 100.00% 1989 2.00% 56.10% 18.00% 7.60% 4.10% 3.60% 2.40% 1.90% 1.60% 2.50% 100.00% 1990 2.20% 50.60% 17.80% 8.50% 5.30% 3.80% 3.20% 2.60% 2.50% 3.50% 100.00% 1991 3.00% 49.10% 17.40% 8.40% 5.50% 4.20% 3.10% 3.10% 2.40% 3.90% 100.00% 1992 3.20% 45.10% 17.40% 9.60% 6.20% 5.00% 3.60% 3.20% 2.70% 3.90% 100.00% 1993 3.20% 42.30% 19.50% 9.60% 6.30% 5.00% 4.00% 3.60% 2.90% 3.70% 100.00% 1994 3.60% 41.20% 19.00% 11.20% 6.30% 5.30% 4.00% 3.30% 2.30% 3.80% 100.00% 1995 3.00% 39.00% 20.30% 11.50% 7.50% 4.70% 4.50% 3.30% 2.90% 3.30% 100.00% 1996 2.50% 38.50% 21.10% 12.00% 7.40% 5.30% 4.00% 3.50% 2.40% 3.30% 100.00% 1997 2.10% 42.40% 24.20% 10.80% 7.30% 4.50% 3.60% 1.90% 1.90% 1.40% 100.00% 1998 2.10% 43.00% 25.20% 12.50% 6.70% 4.50% 2.20% 1.80% 1.20% 0.70% 100.00% 1999 1.70% 46.90% 25.20% 12.00% 5.80% 3.80% 2.10% 1.50% 0.70% 0.30% 100.00% 2000 2.00% 48.20% 24.00% 11.50% 6.80% 3.70% 2.30% 1.00% 0.40% 0.20% 100.00% 2001 2.70% 51.20% 23.80% 11.20% 5.70% 3.10% 1.30% 0.60% 0.20% 0.00% 100.00% 2002 2.90% 55.40% 24.40% 10.00% 4.60% 1.60% 0.80% 0.20% 0.10% 0.00% 100.00% 2003 3.30% 62.30% 21.00% 8.30% 3.20% 1.70% 0.10% 0.10% 0.10% 0.00% 100.00% 2004 2.50% 72.20% 17.10% 4.80% 1.80% 0.30% 0.10% 0.30% 0.00% 0.00% 100.00% 2005 6.10% 69.90% 18.20% 4.40% 1.00% 0.20% 0.00% 0.00% 0.00% 0.00% 100.00% 2006 6.30% 73.90% 13.60% 5.20% 0.70% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2007 7.60% 78.10% 10.50% 2.90% 1.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2008 5.70% 85.80% 8.50% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2009 6.10% 78.80% 9.10% 6.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2010 0.00% 80.00% 20.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2011 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% Weighted Avg: 2.50% 50.50% 18.90% 9.10% 5.60% 3.90% 2.90% 2.30% 1.80% 2.60% 100.00%

Table A7: Time Between Date of Separation and Start of MGIB Along Usage as of September 2012 A-8 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 165 1983 765 464 317 234 189 166 133 295 4711 1986 1081 8590 3385 2230 1637 1182 1004 791 726 1360 21986 1987 1318 10435 4750 2656 1866 1454 1214 1105 965 1826 27589 1988 1235 11677 4747 2687 1993 1479 1285 1226 1069 2049 29447 1989 1448 12046 4988 2815 2198 1724 1529 1354 1294 2292 31688 1990 1170 6982 3030 1907 1380 1196 1077 943 845 1448 19978 1991 967 4725 2053 1326 1063 921 781 753 663 1033 14285 1992 1004 4967 2417 1459 1127 970 850 761 720 1057 15332 1993 815 4706 2236 1443 1201 974 848 790 646 949 14608 1994 806 4367 2238 1453 1193 1027 927 748 622 827 14208 1995 634 4364 2351 1565 1174 990 773 616 537 730 13734 1996 657 5690 3114 2080 1490 1164 945 742 641 759 17282 1997 759 7475 4073 2529 1841 1354 1071 897 718 638 21355 1998 633 7025 3632 2284 1499 1108 792 632 468 412 18485 1999 650 7083 3448 2096 1374 956 698 472 267 133 17177 2000 504 6814 3288 1843 1171 834 522 303 137 78 15494 2001 523 7249 3355 1803 1194 704 359 183 67 40 15477 2002 530 7401 3036 1495 760 354 140 57 24 9 13806 2003 434 6253 2196 967 398 175 57 15 10 2 10507 2004 452 5742 1574 528 199 64 22 13 5 0 8599 2005 249 2290 561 154 63 8 3 1 0 0 3329 2006 136 1198 288 66 19 3 1 0 0 0 1711 2007 51 541 94 22 5 5 0 0 0 0 718 2008 17 231 22 7 1 0 0 0 0 0 278 2009 7 93 8 2 0 0 0 0 0 0 110 2010 0 21 6 0 0 0 0 0 0 0 27 2011 0 12 0 0 0 0 0 0 0 0 12 2012 0 1 0 0 0 0 0 0 0 0 1 Total 16245 139961 61655 35881 25163 18880 15087 12568 10557 15937 351934

Table A8: Time Between Date of Separation and Start of MGIB Alone Usage as of September 2012 (Percent of FY Cohort) A-9 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 3.50% 42.10% 16.20% 9.80% 6.70% 5.00% 4.00% 3.50% 2.80% 6.30% 100.00% 1986 4.90% 39.10% 15.40% 10.10% 7.40% 5.40% 4.60% 3.60% 3.30% 6.20% 100.00% 1987 4.80% 37.80% 17.20% 9.60% 6.80% 5.30% 4.40% 4.00% 3.50% 6.60% 100.00% 1988 4.20% 39.70% 16.10% 9.10% 6.80% 5.00% 4.40% 4.20% 3.60% 7.00% 100.00% 1989 4.60% 38.00% 15.70% 8.90% 6.90% 5.40% 4.80% 4.30% 4.10% 7.20% 100.00% 1990 5.90% 34.90% 15.20% 9.50% 6.90% 6.00% 5.40% 4.70% 4.20% 7.20% 100.00% 1991 6.80% 33.10% 14.40% 9.30% 7.40% 6.40% 5.50% 5.30% 4.60% 7.20% 100.00% 1992 6.50% 32.40% 15.80% 9.50% 7.40% 6.30% 5.50% 5.00% 4.70% 6.90% 100.00% 1993 5.60% 32.20% 15.30% 9.90% 8.20% 6.70% 5.80% 5.40% 4.40% 6.50% 100.00% 1994 5.70% 30.70% 15.80% 10.20% 8.40% 7.20% 6.50% 5.30% 4.40% 5.80% 100.00% 1995 4.60% 31.80% 17.10% 11.40% 8.50% 7.20% 5.60% 4.50% 3.90% 5.30% 100.00% 1996 3.80% 32.90% 18.00% 12.00% 8.60% 6.70% 5.50% 4.30% 3.70% 4.40% 100.00% 1997 3.60% 35.00% 19.10% 11.80% 8.60% 6.30% 5.00% 4.20% 3.40% 3.00% 100.00% 1998 3.40% 38.00% 19.60% 12.40% 8.10% 6.00% 4.30% 3.40% 2.50% 2.20% 100.00% 1999 3.80% 41.20% 20.10% 12.20% 8.00% 5.60% 4.10% 2.70% 1.60% 0.80% 100.00% 2000 3.30% 44.00% 21.20% 11.90% 7.60% 5.40% 3.40% 2.00% 0.90% 0.50% 100.00% 2001 3.40% 46.80% 21.70% 11.60% 7.70% 4.50% 2.30% 1.20% 0.40% 0.30% 100.00% 2002 3.80% 53.60% 22.00% 10.80% 5.50% 2.60% 1.00% 0.40% 0.20% 0.10% 100.00% 2003 4.10% 59.50% 20.90% 9.20% 3.80% 1.70% 0.50% 0.10% 0.10% 0.00% 100.00% 2004 5.30% 66.80% 18.30% 6.10% 2.30% 0.70% 0.30% 0.20% 0.10% 0.00% 100.00% 2005 7.50% 68.80% 16.90% 4.60% 1.90% 0.20% 0.10% 0.00% 0.00% 0.00% 100.00% 2006 7.90% 70.00% 16.80% 3.90% 1.10% 0.20% 0.10% 0.00% 0.00% 0.00% 100.00% 2007 7.10% 75.30% 13.10% 3.10% 0.70% 0.70% 0.00% 0.00% 0.00% 0.00% 100.00% 2008 6.10% 83.10% 7.90% 2.50% 0.40% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2009 6.40% 84.50% 7.30% 1.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2010 0.00% 77.80% 22.20% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2011 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2012 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% Weighted Avg. 4.60% 39.80% 17.50% 10.20% 7.10% 5.40% 4.30% 3.60% 3.00% 4.50% 100.00%

MGIB Regular Army Data as of December 2012 Table A9: Takers as of December 2012 Cohort MGIB 2YR 3YR 4YR 5-6YR Total Total Alone ACF ACF ACF ACF ACF 1985 11136 3316 2912 6133 0 12361 23497 1986 61766 10023 8647 10733 0 29403 91169 1987 76691 10175 10018 2884 0 23077 99768 1988 83611 4586 6157 4408 0 15151 98762 1989 92620 5192 5242 3718 0 14152 106772 1990 62493 5014 5430 9158 0 19602 82095 1991 49044 4738 4429 11043 1 20211 69255 1992 48647 4404 5171 13493 0 23068 71715 1993 47490 2075 6929 7153 0 16157 63647 1994 45763 1826 4444 4653 0 10923 56686 1995 43172 1619 5007 4866 0 11492 54664 1996 54468 1332 3706 7316 0 12354 66822 1997 67528 537* 1074* 2955* 0 4566* 72094 1998 60482 467* 1151* 3141* 0 4759* 65241 1999 57874 309* 917* 3403* 0 4629* 62503 2000 54314 572 1661 9467 0 11700 66014 2001 56870 529 1813 7868 0 10210 67080 2002 55617 429 2104 7645 0 10178 65795 2003 52490 341 1316 6578 0 8235 60725 2004 63124 244 1795 3658 0 5697 68821 2005 51827 93 2107 5633 439 8272 60099 2006 56027 300 3250 5400 1507 10457 66484 2007 50841 351 2367 5337 4277 12332 63173 2008 47633 175 5304 5491 3214 14184 61817 2009 43318 8 7382 5369 2673 15432 58750 2010 47320 1 8153 7118 2220 17492 64812 2011 56863 0 198 215 109 522 57385 2012 57940 0 2 1 1 4 57944 2013 11426 0 0 0 0 0 11426 Total 1568395 58656 108686 164837 14441 346620 1915015 *An undercount of Army College Fund (ACF) participants for the 1997-1999 cohorts was acknowledged in 1999 by the Army Personnel Command (PERSCOM). The undercount was a result of the ACF data element not being populated in the Army system for those years. After the problem was discovered, PERSCOM attempted to re-capture the missing information for those cases. Unfortunately, many of the 1997-1999 Army cases had already separated from active duty and their records no longer existed in the Total Army Personnel Data Base (TAPDB) system. A-10

Table A10: Users as of December 2012 Cohort MGIB 2YR 3YR 4YR 5-6YR Total Total Alone ACF ACF ACF ACF ACF 1985 5054 2469 1992 3597 0 8058 13112 1986 23579 6893 5559 5791 0 18243 41822 1987 29392 7222 6441 1753 0 15416 44808 1988 31209 3363 4072 2845 0 10280 41489 1989 33684 3927 3647 2504 0 10078 43762 1990 21480 3347 3507 5522 0 12376 33856 1991 15372 2989 2620 6010 1 11620 26992 1992 16366 2703 3054 7215 0 12972 29338 1993 15437 1262 4113 3756 0 9131 24568 1994 14927 1086 2419 2452 0 5957 20884 1995 14286 954 2877 2470 0 6301 20587 1996 17882 820 2038 3771 0 6629 24511 1997 22128 457 949 2197 0 3603 25731 1998 19107 364 925 2261 0 3550 22657 1999 17825 239 697 2366 0 3302 21127 2000 16071 370 1107 4820 0 6297 22368 2001 16023 328 1034 3495 0 4857 20880 2002 14325 214 944 2622 0 3780 18105 2003 11009 95 271 1626 0 1992 13001 2004 9077 55 273 365 0 693 9770 2005 3647 27 236 315 60 638 4285 2006 1963 50 160 193 68 471 2434 2007 867 12 52 110 75 249 1116 2008 364 1 58 52 25 136 500 2009 168 0 32 14 9 55 223 2010 50 0 11 11 3 25 75 2011 15 0 0 1 0 1 16 2012 1 0 0 0 0 0 1 Total 371308 39247 49088 68134 241 156710 528018 A-11

Table A11: Percent Users as of December 2012 Cohort MGIB 2YR 3YR 4YR 5-6YR Total Total Alone ACF ACF ACF ACF ACF 1985 45.40% 74.50% 68.40% 58.60% 0.00% 65.20% 55.80% 1986 38.20% 68.80% 64.30% 54.00% 0.00% 62.00% 45.90% 1987 38.30% 71.00% 64.30% 60.80% 0.00% 66.80% 44.90% 1988 37.30% 73.30% 66.10% 64.50% 0.00% 67.90% 42.00% 1989 36.40% 75.60% 69.60% 67.30% 0.00% 71.20% 41.00% 1990 34.40% 66.80% 64.60% 60.30% 0.00% 63.10% 41.20% 1991 31.30% 63.10% 59.20% 54.40% 100.00% 57.50% 39.00% 1992 33.60% 61.40% 59.10% 53.50% 0.00% 56.20% 40.90% 1993 32.50% 60.80% 59.40% 52.50% 0.00% 56.50% 38.60% 1994 32.60% 59.50% 54.40% 52.70% 0.00% 54.50% 36.80% 1995 33.10% 58.90% 57.50% 50.80% 0.00% 54.80% 37.70% 1996 32.80% 61.60% 55.00% 51.50% 0.00% 53.70% 36.70% 1997 32.80% 85.10% 88.40% 74.30% 0.00% 78.90% 35.70% 1998 31.60% 77.90% 80.40% 72.00% 0.00% 74.60% 34.70% 1999 30.80% 77.30% 76.00% 69.50% 0.00% 71.30% 33.80% 2000 29.60% 64.70% 66.60% 50.90% 0.00% 53.80% 33.90% 2001 28.20% 62.00% 57.00% 44.40% 0.00% 47.60% 31.10% 2002 25.80% 49.90% 44.90% 34.30% 0.00% 37.10% 27.50% 2003 21.00% 27.90% 20.60% 24.70% 0.00% 24.20% 21.40% 2004 14.40% 22.50% 15.20% 10.00% 0.00% 12.20% 14.20% 2005 7.00% 29.00% 11.20% 5.60% 13.70% 7.70% 7.10% 2006 3.50% 16.70% 4.90% 3.60% 4.50% 4.50% 3.70% 2007 1.70% 3.40% 2.20% 2.10% 1.80% 2.00% 1.80% 2008 0.80% 0.60% 1.10% 0.90% 0.80% 1.00% 0.80% 2009 0.40% 0.00% 0.40% 0.30% 0.30% 0.40% 0.40% 2010 0.10% 0.00% 0.10% 0.20% 0.10% 0.10% 0.10% 2011 0.00% 0.00% 0.00% 0.50% 0.00% 0.20% 0.00% 2012 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% A-12

Table A12: Type of Educational Program Entered as of December 2012 Raw ACF MGIB ALONE Total Database Education Level Code A: Graduate 8049 18526 26575 B: Undergraduate 136388 302423 438811 C: Non-Degree, College 3123 13389 16512 D: Voc/Tech, Post HS 9103 36766 45869 Z: Unknown 47 204 251 Total 156710 371308 528018 Percent ACF MGIB ALONE Total Database Education Level Code A: Graduate 5.14% 4.99% 5.03% B: Undergraduate 87.03% 81.45% 83.11% C: Non-Degree, College 1.99% 3.61% 3.13% D: Voc/Tech, Post HS 5.81% 9.90% 8.69% Z: Unknown 0.03% 0.05% 0.05% Total 100.00% 100.00% 100.00% Note. Frequency missing = 1182 A-13

Table A13: Time Between Date of Separation and Start of Army College Fund as of December 2012 A-14 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 127 4474 1272 608 420 298 202 165 125 219 7910 1986 346 10042 2905 1347 928 643 467 387 314 527 17906 1987 316 8562 2531 1219 724 459 422 298 251 399 15181 1988 183 5729 1871 805 457 286 244 164 149 229 10117 1989 204 5571 1793 752 409 363 243 192 155 251 9933 1990 265 6160 2160 1037 648 464 389 317 297 426 12163 1991 346 5597 1982 959 625 477 349 350 272 445 11402 1992 409 5754 2219 1222 796 643 462 405 349 505 12764 1993 286 3794 1751 866 563 445 356 323 260 337 8981 1994 210 2420 1120 654 371 313 233 195 132 228 5876 1995 188 2418 1260 717 465 290 281 206 183 205 6213 1996 160 2505 1377 779 482 348 261 228 160 216 6516 1997 76 1512 857 390 255 163 125 68 69 51 3566 1998 75 1500 886 434 234 160 76 65 43 27 3500 1999 56 1530 821 394 194 124 70 50 25 9 3273 2000 125 2954 1474 717 420 234 151 64 31 15 6185 2001 128 2421 1138 538 279 153 66 32 8 3 4766 2002 108 2018 899 377 175 64 33 8 2 0 3684 2003 63 1169 404 166 63 32 2 3 1 0 1903 2004 16 482 118 31 13 8 1 2 0 0 671 2005 38 411 112 28 6 2 0 0 0 0 597 2006 30 314 62 25 3 3 0 0 0 0 437 2007 17 173 25 7 2 0 0 0 0 0 224 2008 8 99 9 0 0 0 0 0 0 0 116 2009 3 34 4 2 0 0 0 0 0 0 43 2010 2 11 3 0 0 0 0 0 0 0 16 2011 0 1 0 0 0 0 0 0 0 0 1 Total 3785 77655 29053 14074 8532 5972 4433 3522 2826 4092 153944

Table A14: Time Between Date of Separation and Start of Army College Fund as of December 2012 (Percent of FY Cohort) A-15 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 1.60% 56.60% 16.10% 7.70% 5.30% 3.80% 2.60% 2.10% 1.60% 2.80% 100.00% 1986 1.90% 56.10% 16.20% 7.50% 5.20% 3.60% 2.60% 2.20% 1.80% 2.90% 100.00% 1987 2.10% 56.40% 16.70% 8.00% 4.80% 3.00% 2.80% 2.00% 1.70% 2.60% 100.00% 1988 1.80% 56.60% 18.50% 8.00% 4.50% 2.80% 2.40% 1.60% 1.50% 2.30% 100.00% 1989 2.10% 56.10% 18.10% 7.60% 4.10% 3.70% 2.40% 1.90% 1.60% 2.50% 100.00% 1990 2.20% 50.60% 17.80% 8.50% 5.30% 3.80% 3.20% 2.60% 2.40% 3.50% 100.00% 1991 3.00% 49.10% 17.40% 8.40% 5.50% 4.20% 3.10% 3.10% 2.40% 3.90% 100.00% 1992 3.20% 45.10% 17.40% 9.60% 6.20% 5.00% 3.60% 3.20% 2.70% 4.00% 100.00% 1993 3.20% 42.20% 19.50% 9.60% 6.30% 5.00% 4.00% 3.60% 2.90% 3.80% 100.00% 1994 3.60% 41.20% 19.10% 11.10% 6.30% 5.30% 4.00% 3.30% 2.20% 3.90% 100.00% 1995 3.00% 38.90% 20.30% 11.50% 7.50% 4.70% 4.50% 3.30% 2.90% 3.30% 100.00% 1996 2.50% 38.40% 21.10% 12.00% 7.40% 5.30% 4.00% 3.50% 2.50% 3.30% 100.00% 1997 2.10% 42.40% 24.00% 10.90% 7.20% 4.60% 3.50% 1.90% 1.90% 1.40% 100.00% 1998 2.10% 42.90% 25.30% 12.40% 6.70% 4.60% 2.20% 1.90% 1.20% 0.80% 100.00% 1999 1.70% 46.70% 25.10% 12.00% 5.90% 3.80% 2.10% 1.50% 0.80% 0.30% 100.00% 2000 2.00% 47.80% 23.80% 11.60% 6.80% 3.80% 2.40% 1.00% 0.50% 0.20% 100.00% 2001 2.70% 50.80% 23.90% 11.30% 5.90% 3.20% 1.40% 0.70% 0.20% 0.10% 100.00% 2002 2.90% 54.80% 24.40% 10.20% 4.80% 1.70% 0.90% 0.20% 0.10% 0.00% 100.00% 2003 3.30% 61.40% 21.20% 8.70% 3.30% 1.70% 0.10% 0.20% 0.10% 0.00% 100.00% 2004 2.40% 71.80% 17.60% 4.60% 1.90% 1.20% 0.10% 0.30% 0.00% 0.00% 100.00% 2005 6.40% 68.80% 18.80% 4.70% 1.00% 0.30% 0.00% 0.00% 0.00% 0.00% 100.00% 2006 6.90% 71.90% 14.20% 5.70% 0.70% 0.70% 0.00% 0.00% 0.00% 0.00% 100.00% 2007 7.60% 77.20% 11.20% 3.10% 0.90% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2008 6.90% 85.30% 7.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2009 7.00% 79.10% 9.30% 4.70% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2010 12.50% 68.80% 18.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2011 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% Weighted Avg: 2.50% 51.00% 18.70% 9.00% 5.50% 3.80% 2.80% 2.30% 1.80% 2.60% 100.00%

A-16 Table A15: Time Between Date of Separation and Start of MGIB Alone Usage as of December 2012 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 165 1976 763 462 317 233 188 166 134 296 4700 1986 1079 8559 3369 2224 1634 1181 999 786 724 1356 21911 1987 1311 10391 4738 2641 1858 1449 1209 1101 960 1831 27489 1988 1233 11631 4730 2675 1985 1471 1275 1219 1064 2058 29341 1989 1449 12003 4963 2800 2184 1719 1521 1351 1289 2295 31574 1990 1166 6955 3024 1893 1372 1183 1074 942 843 1456 19908 1991 965 4707 2044 1317 1058 913 779 749 659 1040 14231 1992 1001 4961 2399 1451 1126 961 845 754 720 1061 15279 1993 811 4692 2221 1434 1199 964 845 787 643 959 14555 1994 806 4352 2226 1446 1197 1022 918 745 623 832 14167 1995 629 4342 2343 1554 1168 991 764 617 538 736 13682 1996 651 5653 3103 2075 1486 1164 940 746 645 768 17231 1997 755 7449 4064 2528 1836 1355 1062 904 723 651 21327 1998 633 7003 3629 2274 1505 1111 792 638 472 421 18478 1999 647 7045 3453 2100 1378 958 706 484 272 142 17185 2000 505 6772 3283 1841 1176 842 531 306 146 88 15490 2001 525 7204 3360 1802 1211 702 367 194 78 43 15486 2002 530 7359 3042 1503 759 370 152 67 28 10 13820 2003 436 6226 2195 976 414 180 63 16 10 3 10519 2004 451 5726 1583 544 208 71 25 14 5 0 8627 2005 251 2283 573 161 67 10 3 1 0 0 3349 2006 145 1200 298 71 20 3 1 0 0 0 1738 2007 54 553 97 24 5 5 0 0 0 0 738 2008 21 255 24 7 1 0 0 0 0 0 308 2009 13 109 9 3 0 0 0 0 0 0 134 2010 1 27 7 1 0 0 0 0 0 0 36 2011 0 15 0 0 0 0 0 0 0 0 15 2012 0 1 0 0 0 0 0 0 0 0 1 Total 16233 139449 61540 35807 25164 18858 15059 12587 10576 16046 351319

Table A16: Time Between Date of Separation and Start of MGIB Alone Usage as of December 2012 (Percent of FY Cohort) A-17 Cohort Before Separation 1YR 2YRS 3YRS 4YRS 5YRS 6YRS 7YRS 8YRS 9+ YRS Total 1985 3.50% 42.00% 16.20% 9.80% 6.70% 5.00% 4.00% 3.50% 2.90% 6.30% 100.00% 1986 4.90% 39.10% 15.40% 10.20% 7.50% 5.40% 4.60% 3.60% 3.30% 6.20% 100.00% 1987 4.80% 37.80% 17.20% 9.60% 6.80% 5.30% 4.40% 4.00% 3.50% 6.70% 100.00% 1988 4.20% 39.60% 16.10% 9.10% 6.80% 5.00% 4.30% 4.20% 3.60% 7.00% 100.00% 1989 4.60% 38.00% 15.70% 8.90% 6.90% 5.40% 4.80% 4.30% 4.10% 7.30% 100.00% 1990 5.90% 34.90% 15.20% 9.50% 6.90% 5.90% 5.40% 4.70% 4.20% 7.30% 100.00% 1991 6.80% 33.10% 14.40% 9.30% 7.40% 6.40% 5.50% 5.30% 4.60% 7.30% 100.00% 1992 6.60% 32.50% 15.70% 9.50% 7.40% 6.30% 5.50% 4.90% 4.70% 6.90% 100.00% 1993 5.60% 32.20% 15.30% 9.90% 8.20% 6.60% 5.80% 5.40% 4.40% 6.60% 100.00% 1994 5.70% 30.70% 15.70% 10.20% 8.40% 7.20% 6.50% 5.30% 4.40% 5.90% 100.00% 1995 4.60% 31.70% 17.10% 11.40% 8.50% 7.20% 5.60% 4.50% 3.90% 5.40% 100.00% 1996 3.80% 32.80% 18.00% 12.00% 8.60% 6.80% 5.50% 4.30% 3.70% 4.50% 100.00% 1997 3.50% 34.90% 19.10% 11.90% 8.60% 6.40% 5.00% 4.20% 3.40% 3.10% 100.00% 1998 3.40% 37.90% 19.60% 12.30% 8.10% 6.00% 4.30% 3.50% 2.60% 2.30% 100.00% 1999 3.80% 41.00% 20.10% 12.20% 8.00% 5.60% 4.10% 2.80% 1.60% 0.80% 100.00% 2000 3.30% 43.70% 21.20% 11.90% 7.60% 5.40% 3.40% 2.00% 0.90% 0.60% 100.00% 2001 3.40% 46.50% 21.70% 11.60% 7.80% 4.50% 2.40% 1.30% 0.50% 0.30% 100.00% 2002 3.80% 53.20% 22.00% 10.90% 5.50% 2.70% 1.10% 0.50% 0.20% 0.10% 100.00% 2003 4.10% 59.20% 20.90% 9.30% 3.90% 1.70% 0.60% 0.20% 0.10% 0.00% 100.00% 2004 5.20% 66.40% 18.30% 6.30% 2.40% 0.80% 0.30% 0.20% 0.10% 0.00% 100.00% 2005 7.50% 68.20% 17.10% 4.80% 2.00% 0.30% 0.10% 0.00% 0.00% 0.00% 100.00% 2006 8.30% 69.00% 17.10% 4.10% 1.20% 0.20% 0.10% 0.00% 0.00% 0.00% 100.00% 2007 7.30% 74.90% 13.10% 3.30% 0.70% 0.70% 0.00% 0.00% 0.00% 0.00% 100.00% 2008 6.80% 82.80% 7.80% 2.30% 0.30% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2009 9.70% 81.30% 6.70% 2.20% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2010 2.80% 75.00% 19.40% 2.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2011 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 2012 0.00% 100.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% Weighted Avg: 4.60% 39.70% 17.50% 10.20% 7.20% 5.40% 4.30% 3.60% 3.00% 4.60% 100.00%