This bill significantly enhances educational benefits for individuals who complete 20 or more years of service in the Armed Forces, regardless of their duty status, by amending Title 38, United States Code. It increases their total entitlement under the Post-9/11 GI Bill from 36 months to 72 months of educational assistance, providing a substantial extension for their educational pursuits. A key provision allows for the transfer of this full 72-month entitlement to eligible dependents, overriding the standard 36-month transfer limit. Furthermore, these beneficiaries are exempt from general limitations on receiving educational assistance from multiple programs simultaneously, offering greater flexibility. These new provisions will apply to any individual completing 20 or more years of service on or after the bill's enactment date.