Military: Anyone in it? Out of it? Opinions?

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lumpynose

Re: Military: Anyone in it? Out of it? Opinions?

Post by lumpynose » Thu Feb 17, 2011 10:36 pm

Why can't you pay off the loan with your military paychecks?  If you stay in the officers quarters and are frugal then your expenses will be close to zero so each month you'll be able to make a payment from all of or almost all of your paycheck.  When I was living on base I had a roommate who wasn't even cashing or depositing his paychecks, he had a stack of them in his locker.  (Yes, he was foolish.)

lumpynose

Re: Military: Anyone in it? Out of it? Opinions?

Post by lumpynose » Thu Feb 17, 2011 10:40 pm

Just to be clear; it really bothers me that you're considering the Army.  As far as I'm concerned the Army is the ghetto of the 4 services.  That's not counting the Coast Guard, which I don't know anything about.  You're looking at what, 6 years?  6 years of the Army?  Yuck.

Trackrunner220

Re: Military: Anyone in it? Out of it? Opinions?

Post by Trackrunner220 » Sat Feb 19, 2011 2:28 am

From what I understand Airforce and Navy is hard to become an officer

Marines I can become an officer, but mostly an infantry officer.

I have 130,000 in loans, so with an officer's salary, I would be making roughly 35k (i believe), so it would take my entire paycheck of a 4 year commitment to knock it out.

With the army I can pay off half of it, 65k loan repayment, and my active commitment will be only 3-4 years (i go to reprocess sometime next week).

I would love to be an officer, but the marines is the only viable option to become an officer right off the bat (unless I do Army Reserve, I dont know about the other two branches but from recruiters i talked to said its a bit harder for the selection process.)

Basically I just want an intelligence job, that I can get with the Army that i cannot get with the Marines. I want to serve my 3-4 years, hopefully reenlist and go to OCS so I can have an Intel MOS and not get slotted into infantry or another.

If you can enlighten me on the Navy process, maybe i am misguided (my cousin was up to go to OCS for the navy but was denied after waiting awhile to know if he was selected.)
Last edited by Trackrunner220 on Sat Feb 19, 2011 2:32 am, edited 1 time in total.

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Re: Military: Anyone in it? Out of it? Opinions?

Post by Tinman » Sat Feb 19, 2011 12:47 pm

Trackrunner -

While in the military you are legally allowed to delay loan re-payments for school (I did for 4 years). Thus, your 130,000 would not be an issue while you were in the service. If I were to do it all over again, I'd become an officer, build my rank, and as soon as my salary was high enough I'd start paying on the loans.

Also, you may check with the officer recruiters. It is very possible that you could have a loan-payment benefit for joining the service, where the service pays off your loan or part of your loan in installments. You may have to sign a 6-year contract in order to gain this benefit, but it may very well be worth it.

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Trackrunner220

Re: Military: Anyone in it? Out of it? Opinions?

Post by Trackrunner220 » Sat Feb 19, 2011 1:29 pm

Thanks for the response Tinman!

I thought I could only delay them for a set amount of time. I will definitely look into that, and if its what you say (i dont doubt you, just want to double check) than I will definitely try and go that route. I just prefer not to be a Marine officer, so hopefully I can determine this all soon.

lumpynose

Re: Military: Anyone in it? Out of it? Opinions?

Post by lumpynose » Sat Feb 19, 2011 4:16 pm

I would rather you be an infantry Marine officer than anything in the Army, but that's just me and my low opinion of the Army and high opinion of the Marines.

Tinman's remark about talking to the officer recruiters is very, very important.  I hadn't even thought about that.  What I remember hearing over and over when I was in the service is how the recruiters would lie and say anything to get people to join.  They promised guys all kinds of things that they knew would never happen; for example, what they'd be doing in the service.

The way it worked when I joined is I went to the recruiter's office, filled out some paperwork.  Then on the designated day went back, got on a bus and went to the processing center in Los Angeles where I (and many other guys) spent almost all day getting checked over by doctors, then we got on a bus and went to boot camp in San Diego.  During the first week of boot camp we all spent a day taking a bunch of tests that evaluated what we knew; math, English, science, etc.  The results of those tests determined our future career path.  Nothing that the recruiter did (which was nothing, except perhaps make false promises to you) or said had any such affect.  I remember when we got the results back which said what training we'd be getting, how one of my friends was so upset and weeping because he was going to be doing something completely different than what his recruiter had told him.

So be very careful about what the recruiters promise you.
Last edited by lumpynose on Sat Feb 19, 2011 4:22 pm, edited 1 time in total.

lumpynose

Re: Military: Anyone in it? Out of it? Opinions?

Post by lumpynose » Sat Feb 19, 2011 4:29 pm

I also find it extremely hard to believe that the Army is simply going to give you 65k.  Have you checked the Army's web site to verify this?

I'm reminded of the lawyer joke, which I've transformed for a military recruiter:

Q: How can you tell when a recruiter is lying?

A: When his lips are moving.

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Re: Military: Anyone in it? Out of it? Opinions?

Post by ap4305 » Sat Feb 19, 2011 4:35 pm

[quote="Trackrunner220"]
I just prefer not to be a Marine officer[/quote]

If go to Quantico (OCS) with any hint of that in your mind, the Sergeant Instructors will ensure that you won't become one.  Officer Selection Officers (officer recruiters) get paid to attract bodies, but the SI's are the final gatekeepers to ensure that only those with 100pct commitment make into "their" Corps.  I don't mean to be overly trite, but one reason the Corps has a minimum of tangible incentives to join is that they only want young men and women who view pinning on the Eagle, Globe, and Anchor as part of a higher calling and not as a convenient way to resolve debt.  That's nothing against you or any other services; it is just a different cultural approach and one that is reflected through their selection process. 
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Re: Military: Anyone in it? Out of it? Opinions?

Post by ATimmins » Sat Feb 19, 2011 5:41 pm

Have you looked into IBR? (income based repayment) Becuase my income is so low (miltiary pay) i don't have to pay back my loans right now.  And as my pay raises my payment is based off of my income.  At 30 years, your loan is forgiven. This works for anyone, even someone working at burger king.

I will not lie to you.  The fact that the soul reason you are joing the military is becuase of student debt worries me.  You will be in charge of people, and sooner or later the decisions you make will determine who lives and dies.  Even when im CONUS i can greatly greatly affect the quality of life my airmen have, and if i make the wrong decisions their lives, families, kids, etc suffer.  The military is a life, not a job.   
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Re: Military: Anyone in it? Out of it? Opinions?

Post by Tinman » Sat Feb 19, 2011 7:07 pm

Note: The way to handle load repayment is not until you have graduated from basic training or from officer training school. At that point, you go to your commander and ask him or her to sign a loan deferment document, which you obtain from your lender. It was not hard at all to do!
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Re: Military: Anyone in it? Out of it? Opinions?

Post by TexNav » Sat Feb 19, 2011 9:07 pm

Thank you, thank you, thank you AT....that right there says enough.

Trackrunner220

Re: Military: Anyone in it? Out of it? Opinions?

Post by Trackrunner220 » Sat Feb 19, 2011 10:23 pm

Woah woah woah let me clarfiy a few things, as I feel like a negative web has been casted.

1) I dont care about the deploying issue, I am not choosing Intel because it is "safer" its because my dream has been to be in the CIA/FBI/NSA since I was extremely young. Intel helps open those doors with my clearance.
2) Thats not to say I wouldnt continue a military career! I would make it a career, if I so chose too.
3) yes I am joining the army to pay of my debt, but that is not the soul reason for my joining. Like I said I want the experience and the training. Being in charge of anothers life, I understand that, so dont think I am only thinking about the money...however my seeking the 65k is because it would make my life easier. If i didnt have the debt I would still join, and the only difference would be the branch I chose.
4) I am not afraid to join the Marines, I just dont see myself as a Marine officer, frankly I see myself being more of an air force guy, but once again my debt affects where I go initially.
5) Yes the 65k will be in my contract, upon completion of AIT.

I dont want people to think I am being greedy and thinking of money and not war, because I am not, I am simply choosing the path I see best for my situation, and the army, with the loan repayment is the best bet to be debt free after my first 3-4(5) years of active duty.

I want to go to OCS, but my recruiter told me it would be a longer wait to find out if I can or not, but it is more streamlined if I go reserves (but less sign on bonus or none at all). I am not against being an infantry officer either, but like I said if i dont want to be in the army for life, i want the intel skills for a government job. 
Last edited by Trackrunner220 on Sat Feb 19, 2011 10:26 pm, edited 1 time in total.

Trackrunner220

Re: Military: Anyone in it? Out of it? Opinions?

Post by Trackrunner220 » Sat Feb 19, 2011 10:38 pm

Also AT thanks for the  income based repayment tip. Im looking into it right now, thanks!

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Re: Military: Anyone in it? Out of it? Opinions?

Post by TexNav » Sat Feb 19, 2011 10:55 pm

Ok, I understand, issue clarified. You just got some free insight then that a lot of recruiters couldn't give !

Trackrunner220

Re: Military: Anyone in it? Out of it? Opinions?

Post by Trackrunner220 » Sat Feb 19, 2011 11:00 pm

Yes you guys are above and beyond helpful. If the tip AT gave me pans out, I might just choose reserves, and go to OCS that way and get a full time job (my buddy has an in at a decent paying job so it can help).

I gotta look into the tip AT gave me because i gotta see if it means living at home with my parents counts as their money with me or not.

You guys have been above and beyond helpful for all these months. Im sorry if I havent been clear on a few things, but thank you for all the information.

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