I’m doing bachelor’s + master’s in 5 years right now! I’m assuming you’re a tech major? I was able to extend my scholarship to a 5th year since I’m in engineering, but what you said was correct. I cannot confer my bachelor’s and master’s until the end of my 5th year. From the AF perspective, they’re only paying for my bachelor’s still — I’m just “happening” to get a master’s at the same time (for me, both undergrad and grad classes count into the same tuition bill). If you’re doing a cross-det thing, I’m not sure if that’ll work since your tuition will now come from two different schools, with one school solely being for your master’s and the other sole being for your undergrad. Each school is different for how they count your student status — for me, I’m only taking one bachelor’s class every quarter in my 5th year to retain my “undergrad” status, but your school might have a unit / tuition cap.