Potential Out of Pocket Costs

Out of Pocket Expenses icon

While there are a variety of sources of funding for the various costs associated with credentialing, occasionally, there may be some expenses that you have to pay for out-of-pocket. It is important to carefully assess the eligibility requirements and the rules regarding the types of expenses paid for from each of the government sources that have been identified.

The most likely types of expenses that you would have to pay on your own are the costs of study guides and other exam preparation materials or courses, because these costs are not typically covered through available federal programs (Navy COOL and other programs). Also, if you fail a credential exam and want to take it again, you would need to pay for the second try with NO opportunity for reimbursement from COOL. (Under certain conditions the Cyber IT/CSWF may be afforded additional retakes at the Navy's expense.)

Once you understand the eligibility requirements for the credential and the costs associated with attaining and renewing a credential, review the “Costs and Funding” section carefully to determine what is covered.