Thank you, @Berta! I was writing a response to paulcorain when yours came through. Please read it; I respect you personally greatly (I have been admiring you from afar via your posts :D ). Please let me know anything I can do to help other vets.
As for the separation payments, my husband said he got somewhere betwee $16,000 and $20,000 in 1992 or so (I think; we were not married then and he blocked all of it out). He would not even go to the VA or have anything to do with them until 2008 when we were in dire straights and, quite frankly, I was at my wits end with him and gave him an ultimatum (sorry, but this is true). As luck would have it, the VA was still "giving him" ( civilian here; don't know the proper verbiage) 10%, but they never sent any check because they were recouping the separation payments. Literally, when we filed, the recoupment had been "met." Being a worrier (I am following your advice, @broncovet, but old habits die hard :D ), I called the DAV the other day to see what would happen if they "forgot" he paid all of this off by 2008. His DAV office said the file shows no balance due.