If you're active duty and thinking about knocking out a degree before you separate, the first thing to understand is that the schools at the top of every "best military friendly universities" list are not all created equal. Some are genuinely built around how service members actually live. Others just slapped a Yellow Ribbon logo on their homepage and called it a day.

I'm Brad Tachi, Navy Diver veteran and founder of BMR. I spent a year and a half post-separation applying for government jobs with zero callbacks before I figured out the game, and one of the things I wish I'd hit harder while I was still in uniform was using my Tuition Assistance. TA is free money. You don't pay it back. You don't burn GI Bill months. It sits there every fiscal year whether you use it or not. If you're not touching it, you're leaving $4,500 a year on the table.

This guide walks you through how to actually pick an online college while you're still in, which schools are consistently flagged as military-friendly, what to look for beyond the marketing, and how to stack TA with the GI Bill so you don't waste either one. No rankings, no BS, no "top 10" list pulled out of thin air. Just the stuff you need to make a real decision.

Why Active Duty Is the Best Time to Start College

Here's what most people don't explain. When you separate, the clock starts on your Post-9/11 GI Bill. The rules have changed over the years, and depending on when you served, you may or may not have an expiration date attached. If you're still on active duty, you can use Tuition Assistance for most of your coursework and save the GI Bill for after you get out — when you'll actually need the housing allowance to live.

Let me lay out the basics.

• Tuition Assistance (TA): Covers up to $250 per credit hour with an annual cap of $4,500. Active duty only. Doesn't affect your GI Bill.
• Post-9/11 GI Bill: 36 months of benefits. Pays tuition, fees, a monthly housing allowance (MHA), and a book stipend. Best used when you're a full-time student and not drawing BAH from active duty.
• TA Top-Up: If a course costs more than TA covers, the GI Bill can pay the difference. But you burn GI Bill months to do it, so use this carefully.

The smart play for most active duty folks I've talked to: run TA as your primary funding source while in uniform, then flip to the GI Bill after separation when you can live off the housing allowance. If you want to dig deeper into how the MHA actually works, we break it down in our Post-9/11 GI Bill housing allowance guide.

What Actually Makes a College "Military Friendly"

Every school claims this label. Most don't earn it. When you're evaluating a university, these are the things that separate the real deal from the marketing.

1. They accept your Joint Services Transcript (JST) credits

Your JST documents the training you've done in the military — schools, ratings, MOS-level coursework, correspondence courses. A legitimately military-friendly school will evaluate it and give you college credit where it maps to their curriculum. Some schools hand out 20-40+ credits for JST alone. Others give you maybe three. Ask the admissions counselor for a sample evaluation before you commit.

2. They're set up for PCS moves and deployments

If you have to drop a class mid-semester because you got orders or went on a workup, does the school work with you? Do they refund TA so you don't owe the government money? Do they let you pick up where you left off without restarting the whole course? This matters more than any ranking.

3. Asynchronous coursework, not live Zoom classes

Active duty schedules don't line up with civilian class times. If you're standing duty or your unit is in a different time zone, you can't sit in a live lecture every Tuesday at 7pm Eastern. Async coursework means you watch the lecture, do the reading, and turn in assignments on your own schedule. This is the single biggest practical factor for most service members.

4. No residency requirement

Some traditional universities require you to take a certain number of credits on campus to earn the degree. That won't work for someone stationed in Okinawa or on a boat. Military-friendly schools either waive this or have workarounds that treat military service as equivalent.

5. Regional accreditation, not just national

Regionally accredited degrees transfer cleanly to other universities and are recognized by federal employers. Nationally accredited schools sometimes don't transfer well and can be a problem later if you pursue a graduate degree or apply for federal jobs. This is a detail you want to nail down before enrolling, not after.

6. Military-specific support offices

Dedicated veterans affairs coordinators, TA processing teams, and advisors who understand military timelines. If the admissions rep can't answer basic questions about how TA gets submitted or what happens if you deploy, walk away.

Applying to Jobs but
Not Hearing Back?

A generic resume won't cut it — federal and private sector jobs need completely different formats. Our builder knows the difference and tailors your resume to each position you apply for.

Federal (USAJOBS) & private sector formats Translates military jargon into civilian language Tailored to each job — not a generic template

Build Your Resume Free

2 free tailored resumes, cover letters & LinkedIn optimization

Schools That Consistently Show Up as Military Friendly

I'm not ranking these. Any blog post that claims to rank the "#1 best military college" is making it up. What I can tell you is which schools have been recognized year after year by service members I've worked with and by BMR's 17,500+ users who've shared their experiences. These are options worth investigating, not prescriptions.

American Military University (AMU) / American Public University System (APUS)

Built from the ground up for military students. 100% online. Accepts JST. No residency requirement. Courses start monthly, not just at semester breaks, which is huge if you don't want to wait four months to start. Downside: some students report that certain programs feel thin compared to traditional universities, and transfer acceptance to top-tier grad schools can be uneven. Strongest in public administration, homeland security, intelligence studies, and criminal justice.

Embry-Riddle Aeronautical University — Worldwide Campus

If you're an aviator, aircrew, aerospace medical, or working in anything aviation-adjacent, Embry-Riddle's Worldwide Campus is worth a look. Heavy focus on aviation, aerospace, logistics, and engineering. Has physical locations on many bases. Stronger reputation in aviation industry than most online-only schools. More expensive than AMU but TA-friendly.

Purdue University Global

The online arm of Purdue. Carries the Purdue name, which matters for some employers. Strong in business, IT, cybersecurity, and health sciences. Generous JST credit evaluation. Longer per-course commitment than AMU but strong student support.

Southern New Hampshire University (SNHU)

One of the largest online universities in the country. Huge variety of programs. Accepts up to 90 transfer credits. Affordable tuition rates. Reports from service members have been mostly positive on flexibility, though some say the quality can vary by program. Worth vetting your specific degree program rather than trusting the school's overall reputation.

Liberty University

Big online program. Discounted tuition for active duty that often stays within TA limits. Accepts JST. Wide range of programs. Religious affiliation is worth knowing about going in — some students love the community, others prefer a secular school.

Arizona State University Online

A legitimate Tier 1 research university with a big online presence. More selective than the schools above. Good if you want a degree name that carries weight in civilian hiring circles. Some programs are TA-compatible, but double-check per-credit cost against the $250 TA ceiling.

Community Colleges of the Air Force (CCAF) transfer partners

If you're Air Force or Space Force and already have CCAF credits, certain four-year schools have direct transfer agreements that can knock out a big chunk of your bachelor's. Worth asking your base education office about specific partnerships.

How to Stack TA and the GI Bill Without Wasting Either

This is where a lot of people mess up. I've seen service members burn six months of GI Bill on a single semester because they didn't understand the order of operations. Here's how to think about it.

1. Use TA first, every fiscal year. TA resets October 1. If you don't use your $4,500 by September 30, it's gone. Use it or lose it.
2. Only use TA Top-Up when the math works. If a course costs $400/credit and TA covers $250, the GI Bill can cover the remaining $150 — but that counts as a month of GI Bill used. Usually cheaper to pick a school where the per-credit rate is at or below $250.
3. Save the bulk of your GI Bill for post-separation. The housing allowance alone is worth thousands per month in most metro areas. You don't get MHA while you're active duty and drawing BAH, so using the GI Bill while in uniform means leaving the biggest benefit on the table.
4. Know your GI Bill expiration situation. The rules changed in 2017 and 2023, and if you separated before certain dates, you still have a 15-year window. We cover this in detail in our Post-9/11 GI Bill expiration guide.

What to Study: Degrees That Actually Translate to Civilian and Federal Jobs

Picking a major matters more than picking a school. I've been hired into six different federal career fields — Environmental Management, Supply, Logistics, Property Management, Engineering, and Contracting — and in every one of them the degree was a box that had to get checked to qualify. The specific major mattered in some and was a rubber stamp in others. Here's how to think about it.

If you're heading toward federal employment

A lot of federal GS series have specific educational requirements. GS-1102 Contracting, for example, requires a bachelor's with at least 24 semester hours in business-related coursework. GS-0301 General Administration is more flexible. Environmental work often requires STEM-adjacent courses. Before you pick a major, pull the qualification standards for the GS series you're targeting — OPM publishes them free. Don't pick a degree and hope it works. Pick a degree that checks the boxes.

If you're heading toward tech

Computer science, IT, and cybersecurity degrees all have strong civilian and federal demand. Pair your degree with industry certs and you're in a strong spot. We've covered the cert side of this in our CompTIA veteran discount guide and our AWS cloud certification guide. A degree plus two or three real certs beats a degree alone every time.

If you want to trade the degree for a shorter path

Not everyone should get a bachelor's. If your end state is a technical trade or a specific industry, a cert or a trade program may move you faster. We break down the non-degree options in our GI Bill trade schools guide and the VA-approved coding bootcamps breakdown. A coding bootcamp plus a strong resume can land a six-figure job faster than a four-year degree.

Common Mistakes Active Duty Students Make

After helping 17,500+ veterans and military spouses through BMR, a few patterns come up over and over.

• Not submitting JST for evaluation. Free credits. Ask for an eval before enrolling, not after.
• Stacking too many courses around a deployment or high-tempo training cycle. Grades suffer, and so does your GPA, which follows you.
• Picking a major that doesn't match the career field they actually want. Business admin is not automatically useful for a GS-0343 Management Analyst job — check the series.
• Waiting until separation to start. If you're in your last two years, starting now means you walk out with at least an associate's or most of a bachelor's done.
• Not using the base education office. These people exist specifically to help you navigate TA, JST, and school selection. Use them.
• Trusting flashy ads over talking to actual students. Every school looks great in a brochure. Talk to three or four people currently enrolled before you commit.

If You're Married: MyCAA for Your Spouse

Quick note because this comes up constantly. If your spouse wants to pursue career training, the Military Spouse Career Advancement Account (MyCAA) provides up to $4,000 in scholarship funding for associate degrees, licenses, and certifications in portable career fields. Eligibility is tied to your rank (generally E-1 through E-5, W-1 through W-2, and O-1 through O-2). It's separate from TA and the GI Bill, doesn't affect either, and too many families leave it on the table.

How to Actually Choose a School in the Next 30 Days

Enough philosophy. Here's a concrete process that works.

1. Week 1 — Figure out your major. Pull the qualification standards for the federal GS series or civilian job titles you're targeting. Note the education requirements. Pick a major that satisfies those.
2. Week 2 — Get your JST. Log into jst.doded.mil and request a copy. You'll send this to every school you apply to.
3. Week 3 — Talk to admissions at three schools. AMU, one regional school, and one Tier 1 online program. Ask each: How many JST credits will transfer? What's the per-credit tuition? Can I start asynchronously? What happens if I deploy?
4. Week 4 — Visit your base education office. Have them verify your TA eligibility and walk through the submission process. Submit your application.

Four weeks from now you could be enrolled. Or you could be in the same spot, still thinking about it, another fiscal year of TA evaporated.

What About After You Separate?

The transition from active duty to civilian is where most people underestimate the timeline. Getting a degree is one piece. Translating your military experience onto a resume that actually gets callbacks is another. Start thinking about both at the same time. Our 12-month ETS transition timeline walks through what to do in each month leading up to separation, and if you're targeting $100K+ careers, the high-paying civilian careers guide breaks down which fields actually pay off.

→ Try our free military-to-civilian translator

And the degree alone won't get you hired. A strong resume that translates your experience and hits the right keywords will. That's what BMR's resume builder exists for — free for the first two tailored resumes, built by veterans for veterans.

The Bottom Line

There's no single "best" online college for active duty military. There are schools that consistently support service members, and there are schools that will burn your TA and leave you with credits that don't transfer. The difference comes down to six things: JST acceptance, async coursework, PCS-friendly policies, regional accreditation, real military support offices, and per-credit cost that stays inside TA limits.

Pick a major that matches the career you want. Use TA first. Save your GI Bill for after separation. Start this fiscal year, not next. And if you need help building the resume that takes you from active duty to the civilian or federal job you actually want, the tools are here whenever you're ready.