Getting out of the army med board vs chapter13?

I have served 26 month in US Army, got multiple rib fractures and facial fractures from combative training that caused my sleep apnea. The PA put in a MEB referral for me, told me that medical retirement takes at most 240 days. However, my PSG told me the fastest way is to fail APFT and would have the same VA... show more I have served 26 month in US Army, got multiple rib fractures and facial fractures from combative training that caused my sleep apnea. The PA put in a MEB referral for me, told me that medical retirement takes at most 240 days. However, my PSG told me the fastest way is to fail APFT and would have the same VA disability rating and the only difference between the options is the GI bill. I want to get out ASAP. Since I already have a bachelor degree, is it safe to get out by ch13?
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