For old-timers such as myself who left active duty in the 1992-1993 time frame and accepted a voluntary separation incentive (VSI) or SSB, the DoD had stopped collecting it last year due to hardships on retiring individuals. They've started recouping again but at a maximum rate of 40%. This means for those of us who had VSI/SSB, 40% of our retirement goes to pay back the amount given until it's paid off which in my case will take 10 years. Those who don't get a military retirement, never have to pay it off--somehow that just doesn't seem right. http://www.dfas.mil/news/DFASRelease0410003.pdf There was a proposal in Congress to reduce the payoff rate to 25%, not sure where that stands now.