Which of the following groups is NOT eligible for VA loans?

The correct answer identifies children of veterans as the group not eligible for VA loans. VA loans are specifically designed to assist certain categories of individuals who have a distinct connection to military service and have served in an active capacity or played a supportive role that aligns with the eligibility criteria set forth by the Department of Veterans Affairs.

Active duty service members, National Guard members, and surviving spouses of veterans all meet the necessary requirements to qualify for VA loans. Active duty service members are those currently serving in the military, National Guard members who have been activated, and surviving spouses are often granted benefits under specific conditions that recognize the sacrifice of their veteran spouses.

Children of veterans, however, do not have the same eligibility under these programs. While they may be eligible for other forms of educational assistance or benefits, the VA loan program does not extend to them, as it is intended to provide financial support primarily to those who have directly served or are spouses of those who have. This distinction is fundamental in understanding the VA loan program's parameters and ensuring that the benefits are directed toward those who have fulfillments of military duties.