The VA is a gov. program. Pell grants are also the same thing, some educational programs do show results, IF the reciepients work at it. My daughter had student loans for part of her years in college, she paid them off first. My first mortgage was VA, and it wasn't as easy to qualify then. I havn't used any VA med. benefits, my insurance covers me well enough, but thats all some vets have, Thyere are a lot of badly run, thoughtless programs that can be done awau with.