How to Earn Retirement Points in the U.S. Navy Reserves IRR

Navy IRR status does not require any military drills but Navy sailors can perform Additional Duty Training (ADT), paid or unpaid, and complete correspondence courses online for reserve points.
Navy Reserve personnel must meet the following obligations, per Federal Law and Navy Regulations:
Respond to all official correspondence
Update personal information via NKO's Virtual Screening annually
Meet requirements per BUPERSINST 1001.39
Maintain military uniforms in serviceable condition
Muster annually and/or when ordered
Earn Navy Reserve Points:
50 points = Qualifying Year for Retirement
Each Reservists earns 15 gratuitous points per anniversary year.
Remaining 35 points can be earned by SELRES/VTU drills (4 points per weekend), AT/ADT/ADSW and Funeral Honors Duty (1 point per day), or NKO Correspondence Courses (points vary).
Required Navy IRR Participation:
Navy Enlisted personnel with less than 20 years qualifying service-
No minimum annual participation is required. Non-participation results in a non-qualifying year for retirement and member may be ineligible for reenlistment or extension.Navy Officers with less than 20 years qualifying service and
completed MSO-
At least 27 points required per anniversary year (includes 15 gratuity points) to maintain good standing.
Non-participation will result in administrative action.Both Officer and Enlisted with 20 or greater years qualifying service-
50 points required per anniversary year
View Navy Annual Retirement Point Record:
Log on to BUPERS Online and select ARPR/ASOSH OnlineNote that points are calculated by your anniversary year.
Contact:
Navy IRR Counselor
IRR_Counselor@navy.mil
(800) 535-2699 Correspondence Course Certificates must be mailed to (include SSN):
Commander, Navy Personnel Command (Pers-912)
5720 Integrity Drive
Millington TN 38055
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How to Pay Your Bills While Going to College (6 Steps)

Assess your personal financial situation. Sit down and make a list of all bills you have to pay each month, including the amount. Tally the totals to determine how much money you need to come up with each month to keep from falling behind on your payments.
Attend a state university in your home state. Traveling outside your state to go to college is more expensive than the cost for resident students, so you can cut costs by going to a state university in the state where you reside. State universities also tend to be cheaper than local colleges, as they are funded by the government.
Get a job if you don't already have one. In order to pay your bills, you need to ensure you have regular income each month to maintain all your expenses. Visit the campus registrar's office for information about on-campus part-time work. Students who work on campus often have extra time to devote to their classwork, while still earning money to pay bills. If you can't find an on-campus job, try to find a flexible job that will work around your college schedule.
Apply for grants and scholarships. Grants and scholarships help offset the cost of your education, reducing and sometimes eliminating the need for student loans. Depending on your educational focus, income bracket and social situation there are thousands of grants available in the United States for students of all ages. Research grants and scholarships online through the Student Gateway to the U.S. Government (link in Resources.)
Apply for federal and private student loans. Many people are not keen on the idea of accumulating more debt while in college, but student loans can help alleviate the cost of college, providing you with leftover funding to buy books, supplies and even pay your bills. When filling out federal aid forms on the official FAFSA website, they may also search for federal grants you qualify for.
Apply for a student-specific credit card. Many large credit card companies have credit accounts specifically designed for college students. A credit card, when used responsibly, can help cover your financial bases on months when your cash flow is a little thin. Do not rely on credit cards to pay your bills every month, as a credit card is a bill as well and you will only accumulate more debt when you depend solely on your credit cards.
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