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85/15 Rule

Last updated: Mar 2, 2026

85/15 Rule Benefits

Scammy and fraudulent schools have required Congress to take protective measures to help prevent Servicemembers and Veterans from being lured into questionable programs; as those using their education benefits are prime targets with guaranteed funds.

The rule boils down to: Programs CANNOT have more than 85% of their students using a VA or DoD educational funding.

In practice, this mostly impacts those who are using their GI Bill.

Exceptions to Policy

This rule does NOT apply to:

  • Educational and training institutions that do not assess tuition, fees, or other mandatory charges (commonly, but not limited to, on-the-job (OJT) and apprenticeship (APP) training facilities)
  • Farm cooperative training courses
  • Flying clubs (also known as "aero clubs") operating under regulations of the Armed Forces as "non-appropriated sundry fund activities"
  • Veterans in pursuit of a program leading to a high school diploma, equivalency certificate, or a refresher, remedial, or deficiency course
  • Programs with less than 10 students

Additional exceptions:

  • Use of the DoD Tuition Assistance (TA), Veterans Readiness and Employment (VR&E), and Dependents Educational Assistance (DEA) CAN be approved even if the rule is violated. This approval process/consideration is automatically done by the VA and does not involve the Veteran/dependent.
  • An institution CAN request a waiver that allows the program in violation to still allow new students. This process is NOT Veteran driven.

Frequently Asked Questions

My program had non-VA benefit users leave AND now the program is violating the rule. Are all the Vets screwed till others join or other Vets drop out as well?

Even if your program is in violation of the rule, so long as you keep attending you are SAFE. If you say take a semester (NOT summer/winter) off and try to join back in, you WILL be prevented from using your VA education benefits till the program returns to the proper ratio (unless you are using VR&E or DEA).

How is this fair if a program is just something Veterans may be more inclined to do than the general population?

This is an example of the government doing their best to "protect" you. But your institution CAN request a waiver.

How do I know if my program is close to or over the rule?

Ask your school's School Certifying Official (SCO).

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