Mississippi's State Veterans Homes charge a veteran $75 a day at Collins, Jackson, Kosciusko or Oxford and $85 a day at Tradition, per the state's 2026 admission packets.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp For a veteran with a service-connected rating of 70% or more, MSVA's 2026 packet for the Collins, Jackson, Kosciusko and Oxford homes lists no charge for a double room, in line with the federal rule that VA's payment is payment in full for that veteran's nursing home care.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp,Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim
If your father or your husband needs more care than the family can give at home, the veterans home is often the first place someone suggests. Mississippi Veterans Affairs (MSVA) runs five State Veterans Homes, in Collins, Jackson, Kosciusko, Oxford and at Tradition in Biloxi, providing skilled long-term care for eligible veterans and their spouses.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes MSVA doesn't post those prices on its website; they sit inside the admission packets. Here is what the packets and MSVA's own pages say about getting in, paying, and waiting for a bed.
In This Guide
- Key Takeaways
- Mississippi's Five State Veterans Homes
- Who Qualifies for a Mississippi State Veterans Home?
- What a Mississippi State Veterans Home Costs
- When VA Pays the Whole Bill
- Hospital Stays and Time Away From the Home
- How to Apply, Step by Step
- How MSVA's Waiting List Works
- Frequently Asked Questions
- Learn More
Mississippi's Five State Veterans Homes
State Veterans Homes are owned, operated and managed by state governments, not by the U.S. Department of Veterans Affairs. VA recognizes and certifies each State Veterans Home, surveys it every year, and leaves eligibility and admission rules to the state.U.S. Department of Veterans Affairs. (n.d.). State Veterans Homes — VA Geriatrics and Extended Care. va.gov. Retrieved Sep 24, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp In Mississippi that state agency is MSVA, and it says it serves approximately 600 veterans at its Collins, Jackson, Kosciusko and Oxford homes.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes
| Home | Address | Phone |
|---|---|---|
| Mississippi State Veterans Home, Collins | 3261 Highway 49, Collins, MS 39428 | (601) 765-0403 |
| Mississippi State Veterans Home, Jackson | 4607 Lindbergh Drive, Jackson, MS 39209 | (601) 353-6142 |
| Mississippi State Veterans Home, Kosciusko | 310 Autumn Ridge Drive, Kosciusko, MS 39090 | (662) 289-7044 |
| Mississippi State Veterans Home, Oxford | 120 Veterans Drive, Oxford, MS 38655 | (662) 236-7641 |
| Mississippi State Veterans Home at Tradition | 11721 Tradition Parkway, Biloxi, MS 39532 | (228) 295-7444 |
The addresses and phone numbers above are the ones on MSVA's Veterans Homes page. The U.S. Army's myArmyBenefits page for Mississippi lists the Kosciusko home as the Brigadier General Martha Jo Leslie home and the Jackson home as the General Hilton R. "Jack" Vance home, so you may see those names too.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/homes MSVA's main office is in the War Memorial Building, 120 North State Street, Jackson, MS 39201, phone (601) 576-4850.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/homes
MSVA describes all five Mississippi homes as providing skilled long-term care.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes MSVA's pages don't say whether a particular home has a secured dementia unit or a lower level of care, so ask the home's admissions staff directly. For the wider picture of VA help for an older Mississippi veteran, see our guide to VA senior care benefits in Mississippi, and for how state homes work across the country, see how State Veterans Homes work.
Who Qualifies for a Mississippi State Veterans Home?
Each state writes its own admission rules for its State Veterans Homes.U.S. Department of Veterans Affairs. (n.d.). State Veterans Homes — VA Geriatrics and Extended Care. va.gov. Retrieved Sep 24, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp MSVA says a veteran or spouse must meet these requirements to live in a Mississippi State Veterans Home:msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes
- Service and discharge. The veteran must have been on active duty in the U.S. Armed Forces and must not have been discharged under dishonorable conditions, with a DD-214 or equivalent report of separation as proof.
- Or the spouse of a current resident. A spouse can qualify for a Mississippi State Veterans Home only as the spouse of a veteran who is currently a resident of one.
- Mississippi residency. The applicant must be or have been a Mississippi resident, though a non-resident may be admitted if no Mississippi resident is waiting for admission.
- A physician's examination within 30 days of admission showing the applicant has no communicable disease, doesn't need medical or hospital care the home isn't equipped or staffed to provide, and has no traits that may prove dangerous to themselves, other residents or employees.
The middle condition of that exam is the one families run into. MSVA's level-of-care test means a Mississippi State Veterans Home can decline a veteran whose care needs go beyond what that home is staffed for, so talk with the home about your father's needs before you send the packet.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes
MSVA's admission packet adds a limit on the non-resident exception: a veteran who lives in another state may fill a vacant bed in a Mississippi State Veterans Home only up to a total of 98% occupied beds, only when no Mississippi resident is on the active waiting list or ready to enter, and the cost of that veteran's care is at no expense to the State of Mississippi.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
What a Mississippi State Veterans Home Costs
MSVA publishes its charges in the admission packets, one for the four older homes and a separate one for Tradition, both updated June 9, 2026.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp
| Resident | Collins, Jackson, Kosciusko, Oxford | Tradition (Biloxi) |
|---|---|---|
| Veteran | $75.00 a day | $85.00 a day |
| Veteran rated 70% or more service-connected, double room | No charge (VA pays in full for nursing home care) | No double-room line in the packet |
| Veteran rated 70% or more service-connected, single room | $300 a month | $300 a month |
| Veteran's spouse | $215.00 a day | $215.00 a day |
MSVA's admission packet for the Collins, Jackson, Kosciusko and Oxford homes says the daily charge at those Mississippi State Veterans Homes includes comprehensive medical care (staff, doctors and medications), nursing care, laundry, and room and board.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp MSVA's packets date the $75 and $85 daily veteran rates at the Mississippi State Veterans Homes to July 1, 2024, and the packet for the four older homes dates the $215 daily spouse rate to June 9, 2023.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp
The spouse line is the one that surprises families. VA's State Veterans Home payments help defray the cost of care provided to veterans, and VA does not pay for care for non-veterans such as a veteran's spouse.U.S. Department of Veterans Affairs. (n.d.). State Veterans Homes — VA Geriatrics and Extended Care. va.gov. Retrieved Sep 24, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp If your mother would move in too, her $215-a-day charge at a Mississippi State Veterans Home is a bill your family carries with no VA help, so work it into the budget before either of them moves.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp
The money also comes due fast. On move-in day a Mississippi State Veterans Home collects the comprehensive care charge for the rest of that month in advance, and after that the charge is due by the 10th of every month.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp MSVA's rules say failure to pay or repeated late payment may result in dismissal from the home, so a missed payment can put your father's bed at risk.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp If your parent may qualify for VA pension with Aid and Attendance, our guide to using that benefit toward a Mississippi nursing home walks through the claim.
VA also pays the state a per diem toward an eligible veteran's care. VA's basic State home per diem is the lesser of half the daily cost of care or VA's basic per diem rate for the year, and 38 U.S.C. 1741 caps it at half the cost of care.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim That money goes to the State of Mississippi, not to your family.
When VA Pays the Whole Bill
For some veterans the bill is very different. Under 38 U.S.C. 1745 and 38 CFR 51.41, VA's payment to a State home for nursing home care is payment in full, and the home may not charge anyone other than VA for that care, when any one of these is true of the veteran:Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim
- The veteran needs nursing home care for a VA-adjudicated service-connected disability.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim
- The veteran has a service-connected disability rated 70% or more and needs nursing home care.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim
- The veteran is rated for total disability based on individual unemployability (TDIU) and needs nursing home care.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim
MSVA's charge schedule reflects that federal rule for nursing home care: the packet for the Collins, Jackson, Kosciusko and Oxford homes lists no charge for a veteran rated 70% or more service-connected in a double room, and $300 a month for a single room.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp MSVA's Tradition packet lists the $300-a-month single room for that veteran but has no double-room line, so ask the Tradition home in writing what a double room would cost your father.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp Bring the VA rating decision letter to the first conversation with any Mississippi home.
If your parent is covered by Medicaid in a nursing home, one federal rule is worth knowing. Under 38 U.S.C. 5503(d), VA pension for a veteran with no spouse or child who is covered by Medicaid in a nursing facility is capped at $90 a month after the month of admission, and that section's definition of nursing facility excludes a State home receiving VA's section 1741(a) per diem, so the $90 cap does not apply to a veteran in that setting.Office of the Law Revision Counsel, U.S. House of Representatives. (2033). 38 U.S.C. §5503(d) — Medicaid-covered nursing facility care: (d)(1)(B) definition, (d)(2) $90 cap from the month of admission, (d)(3) anti-offset, (d)(4) beneficiary not liable for VA’s failure to reduce, (d)(5)(A)-(B) surviving-spouse and child extensions, (d)(7) January 31 2033 expiry (OLRC, U.S. Code prelim edition). uscode.house.gov. Retrieved Aug 8, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section5503&num=0&edition=prelim Ask the home and an MSVA Veteran Service Officer how your parent's VA pension and Mississippi Medicaid would be handled at that specific Mississippi home.
Hospital Stays and Time Away From the Home
Two MSVA rules change the bill when a resident is away from a Mississippi State Veterans Home.
Hospital stays. Under MSVA's rules, a veteran pays the current daily resident charge to hold a bed in a Mississippi State Veterans Home for up to 14 consecutive nights in a VA or other hospital. A resident hospitalized for more than 14 consecutive days is discharged from the Mississippi home, then given priority placement within the State Veterans Homes after leaving the hospital.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp
Visits home and other passes. Under MSVA's rules, a veteran away on pass for more than 12 days in a calendar year pays, starting on the 13th day, the regular daily charge plus the current daily VA per diem rate for each day away. MSVA's charge page puts the extra amount for a non-medical pass beyond 12 days at $144.10 a day.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp At a Mississippi State Veterans Home, MSVA charges nothing to hold the bed for the first 12 days of pass in a calendar year for a veteran covered by the same three VA ratings listed under When VA Pays the Whole Bill (a veteran who needs nursing home care and who needs it for a service-connected disability, is rated 70% or more, or has TDIU).U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp Plan long holiday visits with that 12-day line in mind.
How to Apply, Step by Step
MSVA uses one admission packet for the Collins, Jackson, Kosciusko and Oxford homes and a separate packet for Tradition, and both are linked from MSVA's Veterans Homes page.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
Download the right MSVA packet
Use the four-home packet for Collins, Jackson, Kosciusko or Oxford, or the Tradition packet for the Biloxi home.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
Complete the applicant forms
MSVA's checklist includes VA Form 10-10-EZ, the application for VA health benefits, and the applicant or a court- or VA-appointed conservator must sign every form that asks for a signature, since missing information or signatures could delay the Mississippi application.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
Book the physician early
MSVA's physician forms, including a medical history and physical within 30 days of admittance and admitting orders within 5 days, can follow later if they aren't ready.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf MSVA's physician exam has to show your parent meets the three conditions in MSVA's eligibility list for a Mississippi State Veterans Home.msva.ms.gov. (n.d.). Veterans Homes — Mississippi VA. Retrieved Jul 30, 2026, from https://www.msva.ms.gov/homes
Send it to your first-choice Mississippi home
MSVA says the completed application and a copy of the DD214 or discharge should go to the home of your first choice.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
Plan the admission day
A family member or the responsible party must go with the veteran on the day of admission, and MSVA says the veteran cannot be admitted without that person present.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
MSVA's packet says you'll be notified of any action on the application and can contact the Veteran Service Officer with questions along the way.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
How MSVA's Waiting List Works
MSVA's admission rules cover the waiting list as well as admission, and the order matters if your parent's name is on it.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
- Transfers come first. When a bed opens at a Mississippi State Veterans Home, first priority goes to current residents of the MSVA home system who want to move to that home, then to veterans on that home's waiting list.
- Peacetime veterans go on a separate list. MSVA lists peacetime veterans on a separate waiting list and does not give them preference over a wartime veteran.
- Turning down a bed costs your place. An applicant who refuses an available bed loses priority on MSVA's list, and one who declines a bed two or more times moves to the inactive list until telling MSVA they are ready to return.
MSVA doesn't publish how long the list runs at any Mississippi home. Because a refusal costs priority, apply to the home your family can actually accept, and call it regularly to ask where your parent stands.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf
Frequently Asked Questions
What does a Mississippi State Veterans Home need before admission day?
MSVA requires signed physician's orders to reach the Mississippi State Veterans Home 24 hours before the veteran is admitted.msva.ms.gov. (2026). Mississippi Veterans Affairs - Application for Admission to a Mississippi Veterans Home (Collins, Jackson, Kosciusko, Oxford), updated 6-9-2026. Retrieved Sep 27, 2026, from https://www.msva.ms.gov/s/MSVHAdmissionPacketUpdated6-9-2026FILLABLE.pdf If the doctor's paperwork lagged behind the rest of the packet, confirm with the home that it arrived before you plan the drive.
What if my father's VA disability rating comes through after he moves in?
When a retroactive VA service-connected rating brings a veteran within VA's payment-in-full rules, 38 CFR 51.41 lets the State home request VA payment back to the rating's effective date or February 2, 2013, whichever is later.Office of the Law Revision Counsel, U.S. House of Representatives. (n.d.). 38 U.S.C. § 1741 — Criteria for payment (State home per diem; uscode.house.gov, current). uscode.house.gov. Retrieved Sep 24, 2026, from https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title38-section1741&num=0&edition=prelim Tell the Mississippi home's business office the day a new VA disability rating arrives.
Does my father have to apply for other benefits once he moves in?
Yes. MSVA's rules say residents of a Mississippi State Veterans Home shall apply for all the state and federal money and medical benefits they may be entitled to.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp Ask the home's business office which ones apply to your father.
Can MSVA raise the daily charge after my father is admitted?
MSVA's rules say comprehensive care charges at the Mississippi State Veterans Homes are set by the agency and may be periodically revised, and MSVA's packets say applicants will be notified before any change in charges.U.S. Department of Veterans Affairs. (n.d.). U.S. Department of Veterans Affairs - Geriatrics and Extended Care: State Veterans Homes. va.gov. Retrieved Sep 27, 2026, from https://www.va.gov/GERIATRICS/pages/State_Veterans_Homes.asp Keep the notice when it comes, since the new rate changes your family's monthly budget.
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