Towards the end of the lame-duck session of Congress, the House and Senate passed a bill that will enact major changes to the Post-9/11 Bill, which will most certainly be signed by President Obama. The bill, entitled the “Post-9/11 Veterans Educational Assistance Improvements Act of 2010,” was universally praised by veterans’ organizations. Iraq and Afghanistan Veterans of America considered it a victory for veterans along with the American Legion, which had its legislative director, Tim Tetz, present at a ceremony celebrating the passage of the bill. However, these groups along with many in the media having not been highlighting some of the changes in the “Post-9/11 Veterans Educational Assistance Improvements Act of 2010” that will negatively impact thousands of veterans currently using the Post 9/11 GI Bill. These groups who claim to advocate for veterans (and in some cases collect dues from said veterans) on Capitol Hill have been disingenuous in praising this legislation without highlighting the obvious problems with it. Overall, while there are clearly some positive reforms that will be made to the GI Bill as a result of this legislation, this is by no means a huge win for veterans and will potentially force many veterans to change their educational plans.
Probably the biggest change that will hurt many veterans in several states is the new national cap on yearly tuition and fees of $17,500, which replaces the current state-by-state cap. In states like Massachusetts were fees and tuition exceeds $20,000 at most schools for resident students who attend classes year-round, the student veteran will be forced to make up the difference either through utilizing the Yellow Ribbon Program, applying for a scholarship, or worse, taking out a student loan. While this might simplify the process for paying schools and save money, the change in the tuition and fees cap will negatively effect the ability of veterans in certain states to pay for their education.
The legislation also changes how the BAH stipend is paid. Right now, as long as you taking one credit more than a half load (in the case of my school, Arizona State, seven credits out of twelve) you received the full BAH stipend for your school. However, beginning in August 2011, the BAH stipend will be prorated based on the number of credits a veteran is taking. This might seem like a logical and “fair” thing to do, but considering that many veterans do not take a full credit load in order to work or do an internship (which are often unpaid) and considering the fact that many veterans rely on the BAH stipend to survive, this amounts to a pay cut for thousands (if not tens of thousands) veterans in 2011. For me personally, this will negatively impact me since I will most likely not need to take more than three classes (or nine credits) my last semester and I was planning on doing an internship in order to beef up my resume. However, due to the impending changes to the GI Bill, I will most likely be forced to reevaluate these plans.
The bill will also add BAH benefits for distance-learning (aka online) students; however the amount will only be half the national average. I was always under the impression (and I could be wrong) that the reason why the post-9/11 GI Bill didn’t have BAH benefits for distance-learning students was to discourage veterans from attending shady online for-profit universities. However, online programs are more flexible, especially for veterans with families and jobs and many state schools offer online degree programs that are cheaper than traditional programs. If anything, the VA should be encouraging certain veterans to enroll in online programs.
It would not be fair if I didn’t point out some of the positive changes the Post-9/11 Veterans Educational Assistance Improvements Act of 2010 makes the post-9/11 GI Bill. The legislation expands GI Bill eligibility to over 85,000 National Guardsmen and enables active duty troops currently using the GI Bill to receive the annual book allowance. In addition, wounded veterans currently going through vocational rehab will receive increased allowances. However, in order to pay for these changes, the cuts listed above were made. This bill literally robs one group of veterans to pay another.
If in the original Post 9/11 GI Bill, BAH stipends would have been prorated and there would have been a national cap on tuition and fees, veterans would have been able to properly plan their education. However, veterans were led to believe that they would be receiving a certain level of compensation and now beginning in 2011 tens of thousands of veterans will be receiving less if changes are not made. To quote Representative Steven Buyer, a veteran and one of the few people to openly criticize this bill, parts of the bill “[are] nothing but a lump of coal for veterans.”
Daniel Caldwell served four years as an infantryman in the U.S. Marine Corps. For the first two years, he was part of the Presidential Support Program. During his last two years, he served with the 2nd Battalion, 1st Marines and deployed to Iraq in 2009. He uses the Post-9/11 GI Bill to attend Arizona State University.
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the new G.I. Bill for me was something that I have full heartedly thrived on, I’m a junior attending a State College, and my education has been payed in full. What has happened recently with changes in the Chapter 33 G.I. Bill is us no longer receiving break pay. I believe the government, (I don’t care who they are) has perfomed a classic smoke & mirrors tactic where they rob peter to pay paul. They took money out of your right pocket and put it in your left pocket and are claiming that it’s wonderful. I have asked my senator in person why this was done, and he told me it was something that they did not expect to happen. I urge you if you are a vet to WRITE your senator, several times a month, as well as your congressman. These men and women have the most luxurious job on the planet, and after a term of 6 years can collect their pay for the REST of their lives. I served my country for 8 years, and can remember being inches away from death. we deserve a month of pay for benefits we paid for. or did they forget, we all paid for our Montgomery G.I. Bill. Thanks, appreciate the knife in the back.
Is it just me or does anyone realize the change regarding eligibility requirements when it comes to transferring benefits to your dependents?!!! I retire in less than two years, have 39 months deployed time (most outside of the wire) and now with the wonderful new changes I’m required to serve 4 more years in order to transfer benefits to my daughter!!! Where the hell were all the folks that were supposed to have not only our backs but our family’s backs?!!!!
Once again another slap in the face from the Democrats. And yet again another shove of our collective faces in the mud and standing on our necks , yet again we are trampled on from the very revolutionaries from the 60’s who have stepped and trampled on all of us from the beginning.
Really I think the rob peter to pay paul has nothing to do with saving money- but to keep all those “veterans” from improving their lives so that only the “ideal elites” can enjoy a good life. Oh by the way- The democrat party had full control of that bill, and our current president Obama signed it. It’s amazing we can spend trillions to pay for ceo’s, green energy projects that never happen, massive health care systems for individuals who have not contributed to our society either by service or by taxes yet we will cut seniors and veterans to pay for whole scale welfare. Anyways just a thought, God Bless America and steer her straight!
My son is in school in Washington state and is a 25 year old Navy veteran.
Like many of you he is going to school full time and working all he can go get by. He gets about $1,245 (?) a month from the VA.. I wanted to make sure he understood the changes he tried to explain to me..He said he got a letter a few months ago about the changes that were to start 8/1/11 for his school benefits and health insurance. He said there will be a short fall in the amount that is paid to the school (sorry I do not know all the details) and I wanted to make sure we knew all the possible options that may help him besides student loans to make up the financial short fall. Is there something that may help?
And most of all he said he will have no health insurance after 8/1/11. This upsets me greatly. He said he will have no insurance at all with this new change.. I hope that he is not right.. Does anyone have any information that may help us with the health insurance and school cost questions??
Thanks!!! J Heinisch
jheinisch@att.net
This is grossly disgusting from so many angles. After the vast amount of money he was able to pay to rebuild other countries and bail out Half of Wall Street he has the nerve to do this?
If Mr Obama has ever flown a mission, raided a home, put his life on the line, or spent months under the ocean on a sub he would know that this is wrong. I am sad to say that is OUR fault as voters that we have gotten into this mess and it is US who have to get us out.
I say:
1.spend less time online and more time writing your local congressman.
2. Protest
3. Before you vote for someone do your research on them.
4. Vets take care of other vets (alot vets don’t know about these changes)
5. The next time a war breaks out write a letter to Borack and tell him to send his daughter Sasha or Malia off to war…hopefully they will come back with all their limbs and with no PTSD.
6. Stay informed and watch your backside because no one in the government will.
7. Get organized and take action.
Very disappointed. I ets out of the service back in January after 12 years of service in order to pursue career in a field that I have a lot of passion for. On November 2, 2010, I submitted my paper work to use the Post 9/11 to help pay for my school. I started to school back on January 3, 2011. It took the VA to March to finish precessing my paper work and to paying my school the tuition money and to pay my my BAH. Well I called them yesterday to find out why I was only paid for a half month of BAH for April, Then I found out about the school break situation, which sucks. What I really disappointed in is, then they told me that they are updating their systems, and will not precess any applications until after June 20, 2011. So that means that my school won’t get paid until sometimes after that and then i won receive any BAH until then neither. So if it takes them around 3 months like last time to precess my paper work, I am looking around 5 months before I get paid my BAH. Due to that, I will now have to drop out of school due that i wont be able to afford rent, bills, etc… Thank you congress, for taking such great care of your veterans!!!!
All you former National Guard AGR soldiers and airman… do not get to excited about the 9/11 GI Bill 2.0 (Public Law 111-377)just yet. I am a retired AGR soldier with 3 years of regular active duty and 18 years of AGR. I was AGR the day 9/11 happened and retired from the military 26 months later (AGR). I was just notified by the VA that my service does not qualify me for benefits. I am appealing and will let the blog know the results of the appeal.
Looking for ideas!
I am the spouse of a veteran and am currently conducting a policy analysis on the G.I. Bill 2.0. I am focused on the changes made to the BAH. Additionally, I am planning to take action to help bring awareness to the gap in services in regards to the loss of break pay.
If anyone has any useful ideas or suggestions on ways I can take action, I would greatly appreciate the help.
And of course, thank you for your service to our country.
GI’s who served on active duty and payed to receive this benefit and also payed extra for the kicker. And we don’t get that money back. And now these changes??? thanks!!
If you fax proof of $600 kicker payment to the VA, you can get reimbursed.
BAH cancellation during break time is going to be a mess, and with this BAH changes,… well what can I say, it’s either going to be work or school.
So now, in August, BAH isn’t covered for the period in between quarters/semesters? I can only afford time to work a part-time job. That’s not enough to make ends meet. It’s called a budget and now I have to fidget around, possibly find assistance, all while I should be focusing on finishing school and preparing for the next quarter. You should not have to worry about making ends meet, even more now, since costs are being cut for veteran students. I signed the Post 9/11 Ch.33, not the “Post-Post” 9/11 Ch.33.
Great Post, it good to finally read an article that understands what the vets are dealing with. We serve our country and yet we still get screwed. It seems when they finally get something right, they take it away. Thank you again for screwing the people that actually volunteer to put their lives on the line for this country! It’s good to know we’re appreciated @$$holes!
As a 11 year member of the Air Guard and a OEF vet the previous 9/11 GI Bill was a slap in the face. I did two deployments overseas and have done 11 years of drills and 600 days of orders at different bases and I had to live with the fact that the new active troop that arrived at his base 180 days ago gets more benefits than me and my only option to increase my benefits was to volunteer for another tour – which I was already on a volunteer list for but until something came up it was too bad so sad. Meanwhile we were backfilling active bases when requested and since the orders were title 32 they didn’t count. If the VA doesn’t try and screw the guard as they write the rules then this bill is closer to fair to all. I think they should not have changed the BAH provision and the cap but if that is what it takes to not screw over the service of so many then it is the right thing to do.
Before you all starting blaming the President or VA, why don’t you first call IAVA, Student Veterans of America and other Veterans Services Organization since they are the ones who pushed this bill. Then call Sen. Akaka, all of those who voted for the bill, etc. The ‘2.0’ should be no surprise to anyone but I didn’t hear or see too many vets opposing it. And if the VSO’s who claim to be the ‘voices’ of vets aren’t getting any push-back from their constituencies then why wouldn’t they push forward to a bill that does take away from some but gives to many others.
I am against this bill and didn’t think it would pass, but I also did nothing to stop it. I’m not trying to play devils advocate but I am tired of vets playing the blame game and not taking responsibility for their lack of participation or thinking that just because they served means they deserve to be treated like royalty. I’ve found a large sum of vets boast about having such a great work ethic coming out of the military but it seems the definition of ‘work ethic’ has gone to pot.
We all made a conscience decision to voluntarily serve and if the sole reason for your service was for scraping up all the benefits you could find, you disgust me. To those who have suffered harm, they absolutely deserve to get the best care and treatment. We all deserve what we were promised however the benefits are a token of appreciation from our nation–how soon we forget the first ‘VA’ was simply a benefit system that promised a pension to those who were wounded during the Revolutionary War, and look how far it has come. Everyone wants a handout and the V.A.’s budget is only so large; while we should push for benefits to assist us for injuries sustained during our tenure in the service, we ought not to take for granted all of the other benefits that trickle down.
Thanks for a forum for vets to rant amongst other ranters, VA. Keep doing your best. (And yes, I have had plenty of problems with the VA, think they are a giant cyst on our nations bureaucratic ass and am owed money, pushed around and have a trees worth of paperwork. I just refuse to let the VA be my crutch.)
Well written Marine. Happy Belated Marine Corps Birthday! I appreciate your service. You did a hell of a lot more than me. I was in the Phoenix Reserve unit for 8 years (1999-2007). Thanks for fighting the good fight.
I think the main point that a lot of us have really missed is this: What exactly have colleges done to add value in the past decade to justify these across the board rate hikes. Are classes and teachers really giving 40% better lectures? Have services increased? Has the overall user experience changed for the better?
I would argue a resounding NO. It’s the same long lines, expensive text books, and fees upon fees for heaven’s who knows what.
Arizona, being one of the really sore spots has had to cut hundreds of millions of dollars of funding.
Having just gone back part time for an Evening MBA, I was flabbergasted by what the undergrad tuition rates are currently.
And I won’t kid either, graduate work is a far cry from being “cheap”. Thankfully I am blessed for corporate reimbursement.
Marine…? I was 5 years Navy Sea Bee and the rest Army Combat Engineer. I partied with some Marines in Japan, Puerto Rico, California, and Iraq.
I am looking at going back for my grad degree, but I am out of government money and no corporate benefits either. I think I will just dig in for now and if I see anybody “pop smoke” in my direction. I will jump on it then. Congrats on your degree. Hoo-Raah!
I was under the impression that this “new and improved” bill was going to keep all of the current benefits the same and “improve” some of the benefits that were not included to start with. When this new bill was being talked about over the last year I did not hear any mention of anything being changed from the original bill. If there is one thing that I do not want to be is a whiner and a complainer, but I am at a loss with this new bill. To put it in Appalachian American terms “these changes smell like a bunch of politicians have been wallering around in them!” It is like one of the posts said before this is just a bunch of smoke and mirrors taking away from parts of the bill to fund other parts of the bill. The big corporations received billions of dollars for a bail out due to their poor business ethic and writing checks that they could not cover. Now we have a group of people who gave or are currently giving the country a blank check payable up to and including their life and getting what amounts to scraps! After serving 17 years as a combat engineer, 36 months OIF (Balad, Q-West, Marez/Diamond Back), being medically retired, and weathering some serious residuals from all of it, I get the feeling that I, along with countless others, have sacrificed a great deal. So again in Appalachian American terms “Quit screwing around with our benefits and an give us what we fought for! It is time for the ones who volunteered to protect this country, drag their families through hell, keep the politicians in a job, and this country from speaking a foreign language to get their fair share.” Does this sound like whining? Probably so if you have never experienced the joys of the military.
I am a veteran, mother of 2, I was hoping to go back to school when I heard of the new and “improved” GI bill, and was very exited until I read that they are going to take away the BAH during the school breaks. I want to go full time, and concentrate on my studies, not on how am I going to pay rent and feed my kids… I am very disappointed that I will have to put my dream of someday becoming a nurse on hold because I can not afford not to have a full time job and study at the same time. (Not if I want to pass the classes, try studying with a 3 and a 5 yr old) The President and the VA need to think about these things when they are making changes. We served our Country we deserve a roof over our heads, or should I just tell my landlord “sorry the VA will not pay me for housing during my school break” Thanks for getting my hopes up….
This is indeed a blow to veterans. I am quite perplexed as to why they touted this as expanding benefits? The only way it expands benefits is if they benefits are coming from a fixed pot of money. If you you were eligible, you were eligible. Caps, stipends etc are smoke and mirrors. They don’t change eligibility. This is completely about saving the government money for overspending and doing it on the backs of the promises made to veterans. The LEAST they should have done is grandfathered those already enrolled as long as no break in the curriculum occurs.
I am in the same situation as the author. I entered an MBA program at Arizona State University SOLELY because the education benefit was made available and I could now afford it. It costs $35,000/year. I’ll either have to find some way of picking up 50% of the tuition or withdraw which ends up being a waste for everyone.
I’m no lawyer, but if ever there was a breach of contract, this would be it. People entered into educational programs and made decisions based on a promise by the government. I can foresee a viable legal suit over benefits promised and subsequently taken away.
I served 25 years, did my time flying in Iraq and was deployed on the USS Kitty Hawk to the Arabian Sea right after 9/11. Thanks President Obama for being such an upstanding guy and protecting us veterans.
The cap of $17,500 only applies to private and foreign schools. At public schools like ASU, tuition will be paid in full like normal.
Thanks for serving Navy Wings. I just got done with W.P. Carey MBA (evening/Scottsdale) last May. It was a good program, I hope you can see it through somehow. I wish you luck!
This is must be part of the “Shared Sacrifice” Obama wants all Americans to partake.
Here is a question to ponder Mr. President:
I wonder how many former servicemen could go to college by cutting the staff expenses of our First Lady?
http://www.whitehouse.gov/assets/documents/July1Report-Draft12.pdf
This GI Bill “slap in the face” seems like a microcosm of where this country is headed: Take the benefits given to those who have WORKED/EARNED/SACRIFICED, and redistribute it to other programs that are more important.
We all know the idiot from High School who smoked dope and cut class was too dumb for an ASVAB waiver. Now its your and my job to make sure he gets: indefinite unemployment benefits, subsidized housing, high speed internet (if he is in a rural location), cable (if he’s in jail- I kid!), and now healthcare….
Hang in there!
Obama didn’t betray us, Congress did by letting the bill gain any traction in both houses. However, the President has veto power.
I just transfered from a state college in ny to a private aeronautics based school to further what the navy has already taught me about aviation. So instead of wasting the gi bill I could put it to use for a solid career. I only choose this school because of the accepteance of the gi bill. Now it looks like I am going to need a loan. Thanks for making all the veterans using this amazing program for a real purpose, in debt.
I am currently on active duty enrolled in the Marine Enlisted Commissioning Program at the University of San Diego. USD is a private school that costs about $37K a year. I went to this school under the impression that the GI Bill would cover my tuition, which it has to this point. Now you’re telling me I am responsible for coming up with $20k for the next two years if I want to stay in the program. I think the new GI Bill is a good deal, EXCEPT FOR ACTIVE DUTY CURRENTLY AT PRIVATE SCHOOLS. Why can’t we be grandfathered under the old bill until we graduate, and not be forced into debt that a military salary won’t pay off! I feel like I’ve been betrayed, and no one really gives a $h!t.
If I understand it correctly, private schools can still use the Yellow Ribbon Program to compromise the remaining balance of tuition. I’m not sure if schools already have a plan in place for the new rates for fall 2011, so check with your school to see if you still qualify.
Most private schools that have Yellow Ribbon will not cover the amount that Adam is referring to. I am in the same boat. Well, kinda. I’m on active duty, but it’s not me that’s attending a private school, it’s my spouse. Treated the same as active duty, spouses also get the comfort of a cap-free tuition at private schools. So, what will happen come Aug 1st? My wife’s law school is $33K/yr and the yellow ribbon for that school is on an award-basis each semester covering only $2K!! I am trying to get clarification if that cap on private schools includes active duty or not. Follow it here: http://forums.military.com/eve/forums/a/tpc/f/7660045820001/m/9650095752001
I left active duty service to attend nursing school full time. During summer and winter break, I continue to take courses towards my degree. It is impossible to work whilst in nursing school and the monthly BAH was my salvation. The fact that they will discontinue the break pay, is requiring me to evaluate every plan I made before leaving service. I felt that I had a secure plan to achieve my goals with support of this great benefit. Now my only recourse is to rack up more debt in the form of student loans. I’m very disappointed in the changes. And very uncertain of my next step.
LT, I agree with your comment. I do not understand how this is happening. This will force prior military members to work full time hours and try to go to school. And depending on your schools program of study your seeking, the only available hours to attend classes are in the morning and evening. That leaves you guessed it working a 2nd to 3rd shift job. Bunch of crap.That being said, Their reason was to help extend our benefits so we could have tuition closer to a full 4 year degree. But it still falls short for that plan. lets say you get 8 more months of tuition and bah out of this. Okay what if that falls into break periods as well equaling 2 months ,so that would really be only a 6 month extension. Unless they give you those breaks back, well then you can take a summer course to finish it out. I think this whole thing is crap, how were veteran groups sold on this, it needs to be amended. Or the State can step up ( and fix this federal screw up) and let us take tuition assistance along with the regular gi bill chap 30. and get a flat monthly payment. Maybe that would be closer to us getting what we thought was intended for the post 911 bill.
The primary change that I am concerned with is the BAH stipend. I applied for this new GI bill as soon as it was released in August 2009. I was one of the first veterans to get accustomed to it. Throughout the months dealing with the VA and issues with this bill has been a learning process, but now just when I have it figured out they up and change one of the most important features. I have attended college full time since August 2009, including summer classes. I have never taken less that 15 hours (12 during the summer) yet at my university class is not in session 70-75 days out of the year. That is 2 months and some change out of the year my educational benefits are not being fully utilized yet they still deduct 12 months per year from my 36 months of benefits. I realized this within the first year and the VA told me that the reason they deduct 12 months is because regardless of those 70-75 days I was being paid break pay and this was justification for deducting a full 12 months from my benefits. I accepted their response because it made sense. The VA was paying me while I was on break so it is only fair to be deducted those 2 months of benefits. At the time my argument was that the educational benefits I earned were technically not benefiting me other than the fact I was getting full BAH while being on break. Until congress signed these changes into effect I was content with the VA deducting from my benefits those 2 months. Classes may not have been in session but the VA was still paying me full BAH each month when I wasn’t even in class. NOW they are saying there will be NO MORE break pay, so I have 3 questions involving this change. 1. I signed up for the original post 9/11 bill because at the time it benefited me the most, why is it they can makes changes and I am now supposed to adapt to these changes without any further options? (If I had known there would be no break pay I may have weighed other options such as the Montgomery GI Bill) 2. By canceling break pay college students will put more emphasis on living expenses, financial responsibilities, and less on their studies because without BAH being fully paid each month who is going to pay my rent? (With these new changes the BAH will be there one month and not the next, hey congress, “my rent will always be the same each month”! Since they decided to take away our BAH during break pay periods this only makes me wonder if they are trying to double dip out of our benefits. Originally I questioned the 2 months of benefits being deducted from me but then later accepted the deduction due to the VA paying me full BAH each month. 3. Will the VA continue to deduct those 2 months of benefits when they are no longer paying me BAH each month? They made some positive changes, but with those changes they introduced negative changes that will only continue to complicate this bill. The changes signed by congress will help some but the majority will suffer because now there is no solid structure. The past 1.5 years I have been able to concentrate 100% on my studies because I always knew that if I maintained as a full time college student my living expense or a majority of them would always be covered. Starting August 2011 this will not be the case. We will have to focus more on financial obligations rather than educational obligations and with that said these changes are molding the post 9/11 gi bill into the one it was intended on replacing. Each month we are on break we will have to focus less on school and more on living expenses. If I remember correctly the post 9/11 gi bill was introduced on the theory that if college students have more time to focus on school and less on financial obligations the success rate of veterans graduating from college will be higher and the 1.5 year old bill will be more of an accomplishment rather than a failure.
Ryan Skelton: rskelton86@gmail.com Please contact me if you have additional information.
Yes, I agree, the problem is you make logical sense…and you’re dealing with the VA. It has ALWAYS dealt in the best interest of the political “winds” rather than what is best for the Veteran. Why is we give billions away to Iraq, Afghanistan, and every other country on this planet, yet we are going to save money by taking it away from the very men and women who fight and die to protect us from those very countries? Out landish! I have given up on the “American Hero” theory along time ago. Cannon fodder is all we are to them. Hero’s for war and crap when the work is done…American classic.
Given a life time of service only to be this jaded.
Correction: The cap at $17,500 a year would only be for the for-profit colleges and if someone is going to a public school then it would pay for all tuition and fees.
There is good and bad parts of this bill but overall it does fix many issues from the original bill. Yes I am biased because the bill fixed an issue with the original bill that will now allow my father to transfer his benefits to me but there is no way to make a bill that makes everybody happy and if you take into account all the extra active duty members that will be able to use the educational benefits, saving hundreds of millions of dollars in 10 years and also at least partially addressing the issue of for-profit education institutions of at times taking advantage of active duty members and the government with their ridiculously high tuition rates.
The cap is not just for “for-profit” colleges, it is for private colleges. Many private colleges are non-profit (501)(c)(3) and this will impact their programs negatively.
Phil is right, the cap does not apply only to for-profit institutions, but it doesn’t apply just to private schools either. It’s all schools, and private schools still have the option to continue Yellow Ribbon. Though finding the status of the program this fall might be difficult depending on the school.
Correction: The cap is for “private and foreign schools.” So public school tuition will not be affected.
This is a great post. I know a lot of vets have no idea how they’ve changed things (for the worse). I’ll tell all my friends.
Daniel,
Thank you for your informative article. I was confused by all the conflicting news media. I will be changing my credit hours due to the new bill. Thank you brother,
Sam