What is meant by "more than 50% time" for the Monthly Housing Allowance (MHA) stipend based on the basic housing allowance (BAH) for an E-5 with dependents? You can receive the MHA if you take classes from Excelsior College and take a class from a local in-residence, traditional college in your area at the same time. The MHA you receive will be based on the zip code of the local traditional college. All the courses you take must apply to your Excelsior College degree. Excelsior College Advisors are prepared to discuss the classes you can take in your local area that will apply to your degree while you are taking classes with Excelsior College. You must be attending college more than 50% or more than half time for the MHA. Example 1: taking 12 & 15 week courses: If you were taking 12 credits (or 4 classes each worth 3 credits) for 15 weeks that would be considered full-time (100%). If you were taking 9 credits (or 3 classes each worth 3 credits) for 15 weeks that would be considered three-quarters time (75%). If you were taking 6 credits (or 2 classes each worth 3 credits) for 15 weeks that would be considered half-time (50%). For Example 2: taking 8 week courses: If you were taking 6 credits (or 2 classes each worth 3 credits) for 8 weeks, that would be considered full-time (100%). If you were taking 3 credits (or 1 class worth 3 credits) for 8 weeks that would be considered half -time (50%). Remember, each term or semester, to get MHA, you must take classes from Excelsior and a traditional college at the same time. Also, the VA will look at every day in the month so be sure you were taking more than 50% course load. If you are not taking 51% or more every day of that month than you will not get the full MHA for those days you were not more than 50%.