Twice Baked Potatoes Recipe

Twice Baked Potatoes Recipe – These potatoes make any meal an event! They take baked potatoes to a whole new level of creamy, cheesy, buttery deliciousness. Easy enough to make ahead in stages, twice baked potatoes make an elegant side dish when entertaining!

Twice baked potatoes may seem overly complicated and I remember being a little intimidated by them when I was first married. They were always something I would order when I found them on a menu at a restaurant, but friends, once I started making them at home, I never looked back!

Buying a home is one of the biggest financial decisions you’ll make in your life — and one of the largest sources of stress for many first-time buyers is the financing process. Unless you’ve done a ton of research, getting a mortgage can feel confusing or even a bit overwhelming. The good news is you can have a smoother and less stressful experience by avoiding these common mistakes:

1. Not understanding the full cost of homeownership
As a first-time home buyer, you’re probably accustomed to the monthly cost of renting, which usually includes your rent payment, some of the utilities, and your internet and cable bills. As a homeowner, you’ll be responsible for additional monthly costs that may have been covered by your landlord. That includes things like water, sewer and garbage bills, monthly HOAs (if you’re buying a condo) and the cost of lawn care. You’ll also be responsible for paying property taxes and homeowners insurance. And don’t forget the cost of maintenance. It’s recommended that you set aside 1-3 percent of the purchase price of the home annually to cover repairs and maintenance.

2. Assuming you won’t qualify
Many renters think they can’t afford to buy a house because they haven’t saved enough to pay a 20 percent down payment. But you might be surprised to see what kind of house you could potentially buy based on the amount you spend every month on rent. Try plugging some numbers into an affordability calculator to get a better sense of what you need — and how much you have. Or, you can talk to a lender and find out what you might qualify for.

While 20 percent is ideal, you don’t necessarily need that large of a down payment to buy a home. There are loan programs that cater to first-time home buyers, such as the FHA loan, which allow for down payments as little as 3.5%. Even some conventional loans allow for down payments as low as 3 percent. And certain loans, such as VA loans for veterans and military or USDA loans for buyers in rural areas, don’t require a down payment at all.

3. Getting pre-qualified at the last minute
Many first-time buyers wait until they’ve found a home they want to buy before taking to a lender, but there are many benefits to getting pre-qualified early. Pre-qualification can help you shop in your price range, act fast when you find a house you want to make an offer on, and catch — and correct — any errors on your credit report before they cause a problem with your loan. This could help save you thousands in the long run because an error on your credit report could result in a lower credit score, leading to a higher interest rate.

4. Only talking to one lender
Many home shoppers use a lender who was recommended by a friend, family member or real estate agent, and they don’t bother shopping around. But that doesn’t guarantee you’ll get the best rate, or even get a lender who is experienced with loans for your particular situation. The CFPB recommends talking to at least three lenders to get the best loan for you.

Although it’s not required, most home shoppers end up getting a loan through the lender who pre-approved them. So it’s a good idea to do your research with lenders early, at the pre-approval stage.

If you want to compare rates and programs, Zillow has two tools that can help. You can reach a local lender who has experience with loans for your situation, or you can get free, anonymous mortgage rate quotes from hundreds of participating lenders.

5. Spending your entire budget
When a lender provides a pre-approval or pre-qualification letter, they’ll typically include the maximum amount they will lend you. But just because a lender will let you borrow a certain amount doesn’t mean you should spend it.

There are rules lenders follow to determine what you can borrow, such as the 28/36 rule, which says that a homeowner should spend no more than 28 percent of their gross monthly income on housing expenses, and no more than 36 percent on overall debt. But buying a home also comes with significant upfront costs, such as the down payment and closing costs, so you’ll want to make sure you have savings left for emergencies and other unexpected expenses after you close on your new home.

6. Not researching down payment assistance programs
Saving for a down payment is often cited as the biggest hurdle to homeownership for first-time buyers. But did you know there are thousands of down payment assistance programs in the U.S.?

These programs typically offer “soft” second or third mortgages or grants which allow for zero percent interest rates and deferred payments. Ask your real estate agent or lender if there are programs in your area that you may qualify for. You can also search for down payment assistance programs on sites like the Down Payment Resource Center.

Questions about loans for first time home buyers? Find a local lender on Zillow who can help.

Twice Baked Potatoes

Twice Baked Potatoes are one of my family’s favorite side dishes. A baked potato shell is stuffed with light fluffy mashed potatoes, cheese, and of course – bacon!

Twice Delicious, Twice Baked Potatoes
I love Baked Potatoes topped with all the toppings, sour cream, bacon and cheese… so naturally I love these stuffed baked potatoes too!

Twice Baked Potatoes are as easy to make as they are yummy! Potatoes are the ultimate comfort food whether they’re baked, fried or made into delicious mashed potato cakes. They’re the perfect addition to a delicious Slow Cooker Corn Chowder and the star of the dish in Au Gratin Potatoes!

Our goal is to guide you in making the right decision for your current financial situation. Chapter 13 Guru wants to be able to connect you with the best bankruptcy mortgage lenders in the Country. Chapter 13 & Chapter 7 bankruptcy plans provide two different avenues for debt relief, and we want to connect you with the right bankruptcy mortgage lenders who understand the common hurdles that come along with getting a mortgage after bankruptcy.

Purchasing a home or refinancing an existing mortgage after Chapter 13 bankruptcy is a goal for the majority of our clients, and we want to be the best online resource that can help achieve your goals of home ownership.

bankruptcy mortgage lenders

Why Are We The Best?
Our Company Mission
Our Philosophy
Mortgage Companies That Deal with Bankruptcies
Below are a few of the best companies that deal with bankruptcies, who offer opportunities to get a new mortgage or refinance an existing mortgage as soon as 12 months into a bankruptcy plan with trustee approval. Some bankruptcy mortgage providers can even offer a home loan as soon as 1 day after your bankruptcy discharge date. These bankruptcy mortgage lenders offer options for both new home purchases, and refinance programs.

Citadel Servicing

Angel Oak Mortgage Solutions

Prime Equity Mortgage

ACC Mortgage

First National Bank of America

Green Box Loans

Waiting Periods for Traditional Mortgage Loans
Here are some of the rules and their corresponding waiting periods for traditional mortgages. You can see examples such as conventional loans, FHA loans, and USDA loans. The majority of bankruptcy mortgage lenders will be able to offer these loans, but it is important to see what the different waiting or “seasoning” periods are before you can get a mortgage after your Chapter 13 discharge.

Conventional Loan After Bankruptcy
Fannie Mae previously required that a borrower wait at least 4 years after their bankruptcy discharge, before they would be eligible to apply for a conventional loan. Some great news, is in 2018, this waiting period has been reduced to only 2 years. You will likely need to rebuild your credit, but fortunately you may be able to get a conventional loan only just 24 months after your bankruptcy is discharged.

FHA Loan After Bankruptcy
FHA rules state that you must wait at least 2 years after filing a Chapter 7 bankruptcy. Some banks may require a longer time to pass, but many FHA lenders will approve an application only after 2 years. For a chapter 13, you only need to wait until you have successfully made 12 months of payments. Additionally, you will need to provide the court trustee’s written approval. Also, keep in mind that the clock doesn’t start upon filing, but rather once the bankruptcy has been discharged.

USDA Loan After Bankruptcy
The USDA rules are similar to the FHA. You will need to wait at least 2 years after filing a chapter 7 bankruptcy. For a chapter 13 bankruptcy, you may be eligible after making 1 years worth of payments on time.

As you can see, there are different rules related to waiting periods for various types of mortgage programs. If you have had a recent bankruptcy, we recommend contacting us and letting us know a little bit about your situation, and we will do our best to connect you with a lender that may be able to help you.

What to Look for When Comparing Bankruptcy Mortgage Lenders
What does their loan process look like?
It is important to determine if a bankruptcy mortgage lender will provide a free initial consultation before beginning the loan process. It is important that you are able to share your positive steps about getting towards financial health with your mortgage lender. This upfront consultation should also give you an idea about the level of customer service that the company will have to offer. A detailed consultation also can limit the possibility for issues during the loan process.

Are they being upfront with what they can offer?
Some bankruptcy mortgage lenders will try and attract customers with an extremely low interest rate. While this number looks good on paper sometimes a lender will not be able to deliver on their upfront advertised interest rate. Some home loan companies lure you in with a low interest rate only to add more fees or request a higher down payment amount. It is important that you understand that a lender who provides you with the lowest interest rate, may not be the top company for you to partner with.

What do their previous clients have to say about them?
It is important to understand that no bankruptcy mortgage lender will have a perfect online rating from their clients, however online reviews can offer an in depth preview as to what a company’s loan process looks like. When looking at online reviews of a bankruptcy mortgage lender, make sure you take note about customers who mention aspects like customer service, and availability of their loan officer. A great bankruptcy mortgage lender will provide meticulous customer service during your loan process in order to ensure the process goes smoothly for you. Some companies that advertise a low interest rate can fall short in areas such as customer service.

Instant Pot Chicken Thighs


Instant Pot Chicken Thighs: How to make perfectly seasoned instant pot chicken thighs with crispy skin in the pressure cooker. Directions for cooking frozen chicken thighs as well. 

I am one of those blessed people who gets to talk to her mom just about every single day. She calls to check in to see what my kids are up to, hear how I am feeling thanks to Cystic Fibrosis, and she always wants to know what I am making for dinner.

Even though my mom follows my meal plan, so her meals are planned, she likes to see what sort of recipes I am testing or trying out and often she weighs in with her opinion.

Lately, she has been asking for two things: Chicken Thigh Recipes and Instant Pot Recipes.

So being the good daughter I am, I knocked both out with this easy recipe for perfectly cooked Instant Pot Chicken Thighs.

What is a VA loan?
Homebuyers who are considering a VA loan, but have questions, have come to the right place. Applying for a mortgage can be complicated enough even without adding a VA loan to the mix.

With so many steps, the VA loan process can sometimes feel overwhelming. In reality, the process can run smoothly if you know the basics and find a lender who’s knowledgeable and can walk you through it.

Common questions homebuyers ask about VA loans include:
What benefits do VA loans offer?
Who can get a VA loan?
What are VA loan requirements?
What are the benefits of VA loans?
For eligible folks, VA loans can be the key to homeownership. In 2018, 610,512 VA loans were made with an average loan amount of $264,197. In total, the VA was responsible for $161.3 billion in mortgages last year.

Here we break down what a VA loan is and how it can help you.

What is a VA loan?
A VA loan is a mortgage that is made by private lenders, but partially backed by the Department of Veterans Affairs. There are no limits on how much you can borrow, but there are limits on how much the VA will guarantee.

One of the benefits of VA loans, also known as Veterans Affairs mortgages, is that they consistently offer lower rates than traditional bank financing, according to Ellie Mae.

Eligible borrowers may only use VA loans for their primary residence. You can’t finance an investment property or vacation home with a VA loan.

The main draw of a VA mortgage is that they make it easier to get financing by offering no down-payment loans and more lenient credit and income requirements than conventional mortgages. Once you have your certificate of eligibility or COE, you can apply for a VA home loan.

What are VA entitlements and why are they so important?
The VA guarantees a portion of your mortgage via “entitlements.” There are two types of entitlements offered to eligible veterans: basic entitlement and bonus entitlement.

The basic entitlement is $36,000 or 25 percent of the total mortgage if you default; you would get the lesser amount of the two. Generally, lenders will loan four times this amount, so you can think of the basic entitlement as a 25 percent down payment on a $144,000 home. However, you don’t have to use the full entitlement.

As home values continue to tick up, most homebuyers are faced with price tags in excess of $144,000, or the max loan amount for basic entitlement. This is where the bonus entitlement kicks in.

In 2018, the median sales price for a home hovered around $315,000, so for most VA buyers, the bonus entitlement is necessary. This is also called a second-tier entitlement.

The VA uses the national conventional financing conforming loan limit set by the Federal Housing Finance Agency, or FHFA, to establish the bonus entitlement amount. The FHFA boosted loan limits in 2019 to $484,350. In high-priced areas, the ceiling is higher at $726,525, or 150 percent of $484,350. Homebuyers can check loan limits in their area here.

The VA usually covers 25 percent of your loan amount, so eligible borrowers would get 25 percent of $484,350, which is $121,087. Then the VA subtracts the basic entitlement, which is $36,000, from the $121,087, leaving borrowers with a total of $85,087 in bonus entitlement money.

Keep in mind, lenders will generally loan VA borrowers four times the amount of the entitlement. This means you would multiply $85,087 by four, which is $340,350. Finally, you would add the $144,000 VA loan limit from your basic entitlement to the $340,350 sum which gives you a total loan limit of $484,350 — the same as the national conforming loan limit.

For homebuyers in high-cost states, the entitlement amount is larger. In counties with higher limits, the VA will guarantee 25 percent of a maximum $726,525. If your mortgage exceeds that limit, the VA won’t cover it. That means on a $900,000 home in a high-cost area, the VA will only back 25 percent of $726,525.

It is possible to use your entitlement more than one time. This depends on several factors such as how much entitlement you have left (you don’t have to use all of it when buying a house), mortgage amount and county loan limits.

The goal of VA loans is to help veterans become homeowners no matter where they live, so don’t let a costly housing market or a prior VA loan deter you from exploring this option.

What are the VA loan eligibility requirements?
Most members of the regular military, veterans, reservists and National Guard are eligible to apply for a VA loan. Spouses of military members who died while on active duty or as a result of a service-connected disability also can apply.

Active-duty military personnel generally qualify after about six months of service. Reservists and members of the National Guard must wait six years to apply, but if they are called to active duty before that, they gain eligibility after 181 days of service.

You may qualify if you:

Served 90 consecutive days of active service during wartime
Served 181 days of active service during peacetime
Have been an active member of the National Guard or Reserves for 6 years or more
Are married to a service member who died in the line of duty or as a result of a service-related disability
It’s important to note that getting a COE doesn’t mean veterans qualify for a mortgage — these are two separate processes. Once you qualify for a COE, you can shop for a home loan. However, you still have to meet lender requirements which include things like income verification, credit (FICO) score, and debt-to-income ratio.

Do VA loans require PMI?
Unlike other low down-payment mortgage options, a VA loan doesn’t require private mortgage insurance. Federal Housing Administration (FHA) loans and conventional loans with less than 20 percent down require PMI, which can end up costing the borrower thousands over the life of the loan.

The benefit translates into significant monthly savings for VA borrowers. For instance, a borrower who makes a 3.5 percent down payment on a $200,000 FHA-insured mortgage would pay $100 a month for mortgage insurance alone.

What are VA loan funding fees?
Although the costs of getting a VA loan are generally lower than other types of low-down-payment mortgages, they still carry a one-time funding fee that varies, depending on the amount of the down payment and military category. This fee helps offset taxpayers’ costs since there’s no PMI or down payment required.

A borrower in the armed forces getting a VA loan for the first time, with no money down, would pay a fee of 2.15 percent of the loan amount. The fee is reduced to 1.25 percent of the loan amount if the borrower makes a down payment of 10 percent or more. Reservists and National Guard members normally pay about a quarter of a percentage point more in fees than do active-duty members.

Those using the VA loan program for the second time, without a down payment, would pay 3.3 percent of the total loan amount.

Can existing VA borrowers lower their interest rates?
The Interest Rate Reduction Refinance Loan (IRRL) gives existing VA loan holders the opportunity to get a lower interest rate. This option requires borrowers to refinance their current VA loan into another VA loan.

The advantage of the IRRL is that credit and appraisal underwriting packages are not required. Additionally, you won’t have to pay cash out of pocket for an IRRL. It’s structured so than any fees are rolled into the new loan or the interest is adjusted so that the lender’s costs are covered.

Are there VA loan home occupancy requirements?
VA loans typically require borrowers to move into their home within 60 days of purchase and to use it as their primary residence. However, exceptions can be made depending on the circumstances, says Chris Birk, director of education at Veterans United.

“Lenders will evaluate occupancy scenarios on a case-by-case basis. For active duty service members, a spouse can fulfill the occupancy requirement when the military member cannot. A service member’s minor child can also satisfy occupancy in some cases,” Birk says.

Borrowers can’t use VA loans to buy investment properties or second homes.

What are VA loan underwriting requirements?
The VA doesn’t require a minimum credit score for a VA loan, but lenders generally have their own internal requirements. Most lenders want an applicant with a credit score of 620 or higher.

Borrowers must show sufficient income to repay the loan and shouldn’t have a heavy debt load, but the guidelines are usually more flexible than for conventional loans.

VA guidelines allow veterans to use their home-loan benefits a year or two after bankruptcy or foreclosure.

What are VA loan amount limits 2019?
The limit on VA loans varies by county, but the maximum guaranty amount for 2019 is $484,350 in most US counties and up to $726,525 in certain high-cost areas.

Help for struggling VA borrowers
Another advantage of a VA loan is the assistance offered to struggling borrowers. If the borrower of a VA loan can’t make payments on the mortgage, the VA can negotiate with the lender on behalf of the borrower.

VA’s financial counselors can help borrowers negotiate repayment plans, loan modifications and other alternatives to foreclosure. Regardless of whether they have VA loans, veterans who are struggling to make their mortgage payments can call (877) 827-3702 for assistance.

How to apply for VA Loan Certificate of Eligibility
Before you can apply for a VA loan, you must prove you are eligible. Applicants must get a Certificate of Eligibility (COE).

Eligible service members, veterans and spouse must meet one of the following criteria:

You’ve served 181 days of service during peacetime.
You’ve served 90 days of service during war time.
You’ve had six years of service in the Reserves or National Guard.
You are a surviving spouses of a service member who died in the line of duty.
There are three ways to apply for the COE:
Request a COE from your lender. Lenders have access to a database which can produce your COE within minutes.

Apply for the COE online at VA.Gov. You’ll have to log into your account and navigate to the COE application page.

Mail in your application. Print out this form, fill it out and include applicable proof of eligibility.

Documents required for COE:
Veterans and current or former National Guard or Reserve members in Federal active service

DD Form 214 – This must include a copy showing the type of service and the reason for leaving.

Active duty service members, Current National Guard or Reserve members who have never been Federal active service

An up-to-date statement of service signed by the adjutant, personnel office or commander of the unit or headquarters. It must include your name, Social Security number, date of birth, entry date of active duty, duration of lost time and the name of the command providing the data.

Current National Guard or Reserve member who has never been Federal active service

An NGB Form 22, report of separation and record of service for each period of National Guard service.

An NGB Form 23, Retirement Points Accounting and proof of the character of service.

Discharged member of the Selected Reserve who has never been activated for Federal active service

A copy of your latest annual retirement points statement and evidence of honorable service.

Surviving Spouse receiving DIC (Dependency & Indemnity Compensation) benefits

Submit VA form 26-1817 and veteran’s DD214 ( if available)

You must include the veteran’s and surviving spouse’s social security number on the 26-1817 form.

Surviving Spouse not receiving DIC (Dependency & Indemnity Compensation) benefits

You must submit VA form 21-534.

You must submit form DD214 (if available), which proves discharge orders.

Include a copy of your marriage license.

Include the death certificate or DD Form 1300 – Report of Casualty.

Send the VA 21-534 to the mailing address in your state. You can find that information on the following link. PMC States

How to apply for a VA loan
Once you have your certificate of eligibility (COE), you can apply for the VA loan. The application process is straightforward, however keep in mind that not all lenders originate VA loans. Here’s what you’ll need to do to apply:

Find a VA lender. You can do this by searching on the VA website, getting recommendations from friends or doing your own research online. Be sure to shop around for the best offer, as lender’s terms vary.

Apply for the VA loan through the lender.

Other uses for VA loan
Buying a house is just one way you can use a VA loan. Borrowers can also use VA loans in the following ways:

Cash-out refinance

Interest rate reduction refinance loan (IRRL)

Native American Direct Loan program

Adapted housing grants


Easy Potato Salad Recipe with Tips

Honestly, this is the best creamy potato salad recipe (and so many of our readers agree, just read the reviews). See how to make homemade potato salad with our simple classic dressing. Jump to the Easy Potato Salad Recipe or watch our quick video showing how we make it.

There’s no need to be intimidated. Potato salad is very simple to make. With a few tricks, you’ll be making it like a pro in no time.

What is a Reverse Mortgage?

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA)1 and allow homeowners to convert their home equity into cash with no monthly mortgage payments.2

After obtaining a reverse mortgage, borrowers must continue to pay property taxes and insurance and maintain the home according to FHA guidelines. Typically the loan does not become due as long as you live in the home as your primary residence and continue to meet all the loan obligations.

Reverse mortgage loans are commonly used to pay for home renovations, medical and daily living expenses. Homeowners who have an existing mortgage often use the reverse mortgage loan to pay off their existing mortgage and eliminate monthly mortgage payments.

reverse mortgage loan uses a home’s equity as collateral. The amount of money the borrower can receive is determined by the age of the youngest borrower, interest rates and the lesser of the home’s appraised value, sale price and the maximum lending limit.  The funds available to you may be restricted for the first 12 months after loan closing, due to HECM requirements.  In addition, you may need to set aside additional funds from loan proceeds to pay for taxes and insurance.

The loan does not generally have to be repaid until 6 months after the last surviving homeowner moves out of the property or passes away.  At that time, the estate typically sells the home to repay the balance of the reverse mortgage and the heirs receive any remaining equity. The estate is not personally liable for any additional mortgage debt if the home sells for less than the payoff amount of the reverse mortgage loan.

Reverse Mortgage Eligibility

To be eligible for a reverse mortgage loan, the FHA requires the youngest borrower on title to be 62 years or older. Borrowers must also meet financial eligibility criteria as established by HUD. If there is an existing mortgage on the home, it must be paid off with the proceeds from the reverse mortgage loan.

Eligible Homes Types for Reverse Mortgages

Most single-family homes, two-to-four unit owner-occupied dwellings or townhouses and approved condominiums and manufactured homes are eligible for a reverse mortgage loan. The home must meet FHA minimum property standards.


When the reverse mortgage loan does become due, the borrower’s heirs/estate can choose to repay the reverse mortgage loan and keep the home or put the home up for sale in order to repay the loan. If the home sells for more than the balance of the reverse mortgage loan, the remaining home equity passes to the heirs.

If the home sells for less than the owed balance, the estate is not required to pay more than the value of the home at the time the loan is repaid.

A reverse mortgage loan is “non-recourse”, meaning that if you sell the home to repay the loan, you or your heirs will never owe more than the loan balance or the value of the property, whichever is less; and no assets other than the home must be used to repay the debt.

Distribution of Funds

Reverse mortgage loan proceed can be received in any combination of the following options:

• Line of credit – draw as needed up to the maximum eligible amount

• Lump sum – a lump sum of cash at closing (only available on fixed-rate loans)

• Tenure – monthly payments for the life of the loan

• Term – monthly payments for a specific number of years

Borrowers may access the greater of 60 percent of the principal limit amount or all mandatory obligations, as defined by the HECM requirements, plus an additional 10% during the first 12 months after loan closing. The combined total of mandatory obligations plus 10% cannot exceed the principal limit amount established at loan closing. The borrower may also need to set aside additional funds from the loan proceeds to pay for taxes and insurance.

The Secret To perfect Chicken Friend Steak

That southern country wonder: Chicken Fried Steak.  It is the best meal you ever cooked or the worst frustration you ever encountered.  Have you ever tried to make a perfectly breaded chicken fried steak only to have all of the breading to slip off in the frying pan?

How about yucky clumpy gravy?  Yeah,I’ve done it too, but not anymore because I’m sharing The Secret to Perfect Chicken Fried Steak.

Let’s take a minute and talk about what makes chicken fried steakperfect anyway?

I thought so.


Chicken Fried steak is simply a beef cube steak that is breaded and fried like a piece of fried chicken.  Cube steak is a cut of beef that is naturally pretty tough.

You will see that it has been run through the tenderizer (a machine that makes small cuts all over) at the grocery store.

Veterans’ Dependent Tuition Waiver

Veterans’ dependents are eligible for a full tuition waiver at any Oregon public university or community college. This benefit does not include fees. It can be applied toward a bachelor’s or a master’s degree. It is available to a child (including adopted children and stepchildren) or an unremarried spouse of an individual who served in the U.S. military and who died while serving, who died due to a service-connected disability, or who is 100% disabled due to a service-connected disability.

Additionally, a child of a veteran (living or deceased) who has been awarded a Purple Heart in 2001 or later due to injuries sustained in combat, and who received a discharge under honorable conditions, is also eligible for a tuition waiver.

All applicants must be residents of Oregon and must be an admitted to a public university or community college. At the time a child applies for a tuition waiver for a bachelor’s degree, he or she must be 23 or younger.

To apply for a tuition waiver, complete the application form and send it to the Veterans’ Clerk Certifying Official at the educational institution you are attending. You must submit the application at least two weeks before you start school (though in some cases, exceptions may be made). Visit theUniversity System website for more information.

Voyager Aid Program for Oregon National Guard and Reserve

Oregon offers a tuition benefit to residents of Oregon who have served in a combat zone since September 11, 2001. The Voyager Aid Program will make up the difference between educational benefits from the VA and remaining tuition and fee costs. Students ineligible for VA educational benefits must submit proof of ineligibility. The Voyager Aid Program does not cover E-Campus or Distance courses. For more information, contact the financial aid office at your educational institution.

High School Diploma for Veterans

Veterans who were unable to complete their high school education due to entry into the military may be eligible to have a high school diploma awarded to them. Diplomas can be requested in the school district the veteran attended or in the school district the veteran now resides in. A representative of a veteran who is deceased may also request the diploma.

Eligibility requires:

  • high school attendance prior to military service, and
  • military service either:
    • during World War I, World War II, the Korean War, or the Vietnam War
    • during Operation Iraqi Freedom, Operation Just Cause, Operation Desert Shield/Desert Storm, Operation Restore Hope, Operation Urgent Fury or Operation Enduring Freedom, or
    • in an area the President designated as a combat zone, and
  • discharge or release under honorable conditions

A DD-214 will be required to establish eligibility. Contact the Oregon Department of Education for more information.

Veterans’ Preference Points

Preference points in state hiring are available to eligible veterans for jobs in state, city, county and local government. To show eligibility, veterans must supply a copy of a DD-214, DD-215, or a VA letter indicating eligibility for a VA pension. Disabled veterans must provide a copy of their letter from the VA that establishes their eligibility for preference in federal hiring. To obtain this letter, veterans can call 800-827-1000.

Preference applies to initial hiring and for promotion after veterans have passed a civil service exam and established qualification for the job.

here is how points are awarded:

  • pre-interview screening scores: 5 points added for a veteran, 10 points added for a disabled veteran
  • civil service exam: points added after a passing score is achieved. 5 points added for a veteran, 10 points added for a disabled veteran
  • when no exam is required such that points are not available, employers shall use other means to provide special consideration to veterans.

Additional Benefits

See the overview of Oregon benefits for veterans or complete the online Veterans Services Outreach Form to request additional information about benefits available to you and to get connected with a Veterans’ Service Officer who can assist you with your claim. You can also locate the Veterans’ Service Officer in your county to obtain assistance obtaining these benefits.