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Overqualified, underemployed, and still showing up: the military spouse employment challenge

Spouses improvise, adapt, yet may be unemployed anyway.
A military spouse looks over current positions available under the Direct Hiring Authority for military spouse employment
A military spouse looks over positions available under the Direct Hiring Authority program. (U.S. Air Force/Airman 1st Class Jordan Lazaro)

Military spouses have long been masters of adaptation, flexibility, and adjustment on any given challenge brought to our attention, especially the ones that demand action. We adapt to deployments, navigate long separations, build support systems from scratch, and somehow keep moving forward through PCS after PCS.

Yet when it comes to employment, all the tools collected throughout the military spouse journey just seem unable to work.

Also Read: The mental health crisis of military-connected families and the system that doesn’t protect us

According to a recent three-year longitudinal study conducted by Blue Star Families and the Institute for Veterans and Military Families , military spouses continue to face employment barriers that disrupt careers, strain finances, and ultimately impact military readiness.

Its findings reveal what military spouses have known for years. The problem isn’t a lack of education, ambition, or work ethic. The problem is that most career paths weren’t designed for a life defined by constant mobility and unpredictability. In fact, mastering adaptation, flexibility, and adjustment are expected in the military lifestyle but not in the areas that the hiring force is exactly looking for in employee consistency, retention, or continuity.

The Hidden Cost of Military Life

Military spouse unemployment remains above 20%, even as military spouses have become one of the most educated populations in the country. In fact, 43% of military spouses participating in the study held advanced education credentials. Despite those qualifications, many struggled to maintain stable career paths due to repeated relocations, licensing barriers, childcare challenges, and career interruptions.

For many spouses, every PCS means starting over. It can also translate to spouses rebuilding a professional network, navigating a new licensing process, explaining employment gaps to employers, and searching for opportunities that fit around the demands of military life.

The result is a workforce filled with highly qualified professionals who are often underemployed, underpaid, or forced out of their chosen careers altogether.

military spouse employment counseling army
the manager of the Employment Readiness Program at the Presidio of Monterey, meets with a military spouse, after a class on job interviewing skills. (U.S. Army/Winifred Brown)

Careers Built to Break

Perhaps one of the most striking findings from the report is that only 22% of participating military spouses maintained full-time employment across all three years of the study.

To put it into perspective, only about 1 in 5 spouses was able to sustain full-time employment over a relatively short period of time. Not because they lacked skills or motivation but because military life repeatedly interrupted their ability to build career momentum and trajectory.

The study also found that many spouses moved in and out of the workforce multiple times due to PCS moves, deployments, childcare challenges, and unpredictable military schedules.

BLUF: These aren’t isolated setbacks. They’re systemic barriers creating a constant cycle of career disruption that can lead to an identity crisis, risks of mental and emotional health issues, and overall health and wellness. This is not okay.

No Two Military Spouse Journeys Are Alike

Another important takeaway from the study is that military spouses experience different challenges depending on where they are in their military journey.

Researchers identified seven distinct military life stages, ranging from entry into military life and family formation to transition and retirement. Each of the seven stages presented unique employment barriers and support needs.

• A young spouse navigating their first duty station may need mentorship and professional networking opportunities.
• A spouse raising children during frequent deployments may need affordable childcare and workplace flexibility.
• A spouse approaching military retirement may need support transitioning into long-term career opportunities.

The takeaway is that there is no one-size-fits-all solution for military spouse employment.

Flexibility Isn’t a Perk; It’s a Lifeline

The report identified one factor that consistently helped military spouses remain employed: flexibility.

Flexible and remote work arrangements emerged as some of the strongest predictors of sustained employment.

For military spouses, flexibility isn’t about convenience. It’s about survival. It’s the ability to attend a last-minute school meeting when a service member is away. It’s having the freedom to manage a household, solo, during a deployment. It’s maintaining employment after a PCS instead of resigning and starting over.

Unfortunately, many traditional workplace structures still operate under assumptions that don’t reflect military family realities. Rigid schedules and location-dependent jobs often force talented spouses to leave positions they would otherwise thrive.

Childcare Challenges Drive Families Out of the Workforce

Another crucial challenge that drives decisions is the fact that childcare remains one of the largest obstacles to employment. The study identified childcare costs and unpredictable schedules as among the top reasons military spouses leave the workforce.

When childcare is unavailable, unaffordable, or unreliable, many spouses are left making impossible choices between career advancement and family care needs. These decisions don’t just affect individual households. They affect family financial security, long-term retirement savings, and overall quality of life.

Employer Opportunity

The encouraging news is that solutions exist. Employers that embrace flexibility, mentorship, remote work opportunities, and career portability are uniquely positioned to tap into an extraordinary talent pool.

Military spouses bring adaptability, leadership, problem-solving skills, and resilience developed through years of navigating uncertainty. Organizations that recognize these strengths are discovering that hiring military spouses isn’t simply the right thing to do—it’s a smart business strategy.

Navy Federal Credit Union, one of the partners supporting the research study, has made military-connected hiring a significant part of its workforce strategy. With more than 25,000 employees and over 170 branches located on or near military installations, nearly 45% of its branch employees have a direct military connection.


“The result is a workforce filled with highly qualified professionals who are often underemployed, underpaid, or forced out of their chosen careers altogether.”

More Than Employment

Military spouse employment isn’t just about jobs, it encompasses financial stability, professional identity, and retaining talented service members whose families can thrive alongside their military careers. Most importantly, it’s about recognizing that military spouses shouldn’t have to choose between supporting the mission and pursuing their own dreams.  

How can we work towards a better way? Universal acknowledgement that military life will always require adaptability with workplaces possessing a growth mindset coupled with the willingness to adapt and adjust, as well. Have the hard conversations in your circles, with your leadership, colleagues, and peer groups. While there is no fast route to change, those willing to put in the work pave the path for others to follow. That’s the military spouse way.

Don’t Miss the Best of We Are The Mighty

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• A simple list of military child and family support resources for trying times

Sara Jane Ginn Avatar

Sara Jane Ginn

Military Spouse, MilSpouse Editor

Sara Jane Ginn served as an active duty military spouse for 20 years, and during that time, while raising four sons, graduated with a Master’s degree in Organizational Leadership and Doctorate in Strategic Leadership from Regent University, moved to and from MO, Germany, KY, VA, TX, and MI spearheading Family Readiness Groups (now Family Readiness Support Groups) at every duty station, and has settled (for now) in the great state of South Carolina. She is a fierce advocate for military spouses and children across the Nation and has promoted prioritizing healthy emotional and mental wellness supports for over 20 years. Her happy place is writing and storytelling, as she believes deeply in the power of shared experiences.

Through her work, she amplifies the voices of military families, pulling strength by capturing humor and heart that define life in constant motion.

Sara Jane is a George W. Bush Leadership Institute Class of 2025 Scholar and proudly serves as the South Carolina Coordinator for the global non-profit, Military Child Education Coalition. Her life goal is to create spaces where military spouses feel seen, heard, supported, and mighty inspired.


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