Recommend you contact a military attorney in your area and have a chat. That atty will need to see your award letter, documents from VA and any documents substantiating yoru claim that your monthly disability is not what it should be.
You can use the avvo.com search option, contact your local county bar association, or your state bar for a referral to a Military Attorney who handles appeals. VA Appeals info can be found at http://www.bva.va.gov/ and a website that has lots of attys who practice within the VA system (not all of them, but many) is at http://www.nvlsp.org/ or http://www.vetadvocates.com/
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This is a VA issue, not a Military Law issue.
There are numerous VA attorney's in NY.
There are several ways to appeal the Debt Management issue, which normally gets involved when a Veteran receives payment under a VA pension, or fails to notify the VA that he is not in school, but continues to receive Payments for attending school.
Before the debt management group gets involved, the VA will send you numerous, or at least several, letters of intent to collect the debt. The good news for you is that you can still go back to the VA and point to the hardships that this is created.
Regarding being 100% disabled under PTSD, you are going to need current documentation of your mental health issues, showing a severe GAF score. 100% disabled under PTSD is stating that you are 100% occupationally and socially impaired.
You need a very good VA attorney. You are also going to need an active appeal. I also recommend you contarct the Pro Bono Consortium, or NVLSP, Both out of Washington, DC.
My primary area of practice is VA benefits. I would be happy to consult with you to determine if I may be able to assit you with your claim. Please feel free to call my office at 313-596-9500, or toll free at 888-4VET-LAW (888-483-8529).
Disclaimer: Transmission or receipt of information does not constitute an attorney-client relationship.