Do I Have Enough Post 9/11 GI Bill Benefits Left to Finish Graduate School?

Q: I have exhausted my MGIB and I qualify for the Post 9/11 GI Bill, but only for 12 months of benefits. My question is will 12 months of benefits be enough to finish all of my graduate degree? I will be attending a private school which participates in the Yellow Ribbon program. Their cost of tuition and fees is $12,980 a semester for 9 credit hours (full-time). The degree I will be taking requires 33 credit hours to complete.

A: If we do the math, you will see that you need 3.5 sixteen-week (4-month) semesters to complete your 33 credits of work, provided you take 9 credits per semester. With 12 months of education benefit left, you have enough for 3 semesters or 27 credits, so for the last semester that you need 6 credits to finish, you’ll have to do that on your own.

The Yellow Ribbon program is great. As you know, it has to be used in conjunction with the Post 9/11 GI Bill, so you wouldn’t be able to use it for the semester you are out of benefits. Be sure to check that your school includes your graduate program in their Yellow Ribbon agreement with the VA. Some schools do while others don’t. By your Yellow Ribbon school picking up to half of the costs not paid by your GI Bill, and the VA picking up an equal amount, you can afford to pay for your last semester as your first three won’t cost you much. 

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Same situation

I'm in the exact same situation as the poster above, the only difference is that I can only take 2 courses a semester (6 hours). Will the same math apply to me? Where I'll have to pay the last 2 courses out of pocket?