Veterans
Use what you earned. Most veterans don't claim half of it.
VA benefits, GI Bill, hardship discharge of debts, and homeless-veteran resources. The system is dense — here's the short version.
Start here: VA disability compensation
If you have a service-connected condition — even one that didn't show up until years later — you may qualify for monthly tax-free compensation. The VA has expanded eligibility under the PACT Act for burn pit exposure, Agent Orange, and other toxic exposures. If you served in a covered theater, file a claim even if you feel okay now.
Today
File a claim through VA.gov or with a free VSO (Veterans Service Officer). VSOs file your claim for free and know the system.
This week
Get your DD-214 organized. Pull your full medical records. List every condition, no matter how minor.
Healthcare
VA healthcare is usually free or very low-cost for eligible veterans. Apply at va.gov/health-care or call 1-877-222-8387. Even if you have private insurance, enrolling in VA care gives you a backup and access to specialty programs.
GI Bill — education benefits
The Post-9/11 GI Bill covers tuition, a housing allowance, and books. You generally have 15 years from your last separation to use it (some recent legislation removed this for newer veterans — check your eligibility). You can transfer benefits to a spouse or children if you served long enough. Apply at va.gov/education.
If you're behind on rent or mortgage
The VA has a Loan Modification program for VA loans, plus Loan Servicers required to offer hardship options. The Supportive Services for Veteran Families (SSVF) program provides emergency rental assistance for at-risk veterans — search for SSVF in your area. VA also runs HUD-VASH for homeless veterans, which combines housing vouchers with VA case management.
Homeless or at-risk veterans
Call the National Call Center for Homeless Veterans at 1-877-424-3838. 24/7. They connect you to local programs that can get you off the street fast. No paperwork up front.
VA hardship discharge of debts
If you owe money to the VA (overpayments, copays, etc.) and can't pay, you can apply for a waiver, compromise, or hardship plan. File VA Form 5655 (Financial Status Report). Many veterans don't know this exists.