I don't understand this. Your BAH rate is E5 w/ dependents for a zipcode. This doesn't change as long as you are using benefits and are 100 percent. Did you already get a 4-year degree with the GI bill?

Term breaks are inevitable. For heaven sake, you get $1200+ in BAH a month to cover living expenses and get book money while pursuing a degree. You can't budget that? How about go on a vacation with your significant other on that trip you never had time to do or take a break to go fishing/camping if you don't have a significant other. There is always the options to go to CAMI in Oklahoma City and knock out high altitude endorsement with the FAA for FREE. Or travel to your FSDO and get your Ground Instructor Cert after completing the knowledge exams during a school break. Or visit that big university to transfer to and pursue a non-aviation related degree (highly recommend if you don't have a bachelors)..... the list goes on.

Yes, you can complete flight training on a somewhat accelerated scheme if you have drive and commitment to do so. I did it and I am not even the smartest guy on the block. Private to Commercial in three terms; skip Winter term due to weather and focus on GenEd (unless you train in AZ/FL) Private during Spring quarter term, Instrument in Summer quarter, Commercial in Fall quarter. Notice I said Quarter-terms inferring colleges typically on the West side of the country. Thats only 8-9 month and I found it to be a relaxed schedule.

My previous community college allowed us to take a max of two (2) flight labs a quarter term. This was a significant pot of money usually associated with Part 141 training that we could use on renting any aircraft in the fleet to train towards our certs. However, the school is not on the restricted-ATP list. I wasn't going to get an aviation degree anyway, and moved on to greener pastures afterwards. I don't care about having it at this point in my career.