NEW YORK - Herold Noel had nowhere to call home after returning from military service in Iraq. He slept in his Jeep, taking care to find a parking space where he wouldn't get a ticket.

"Then the nightmares would start," says the 26-year-old former Army private first class, who drove a fuel truck in Iraq. "I saw a baby decapitated when it was run over by a truck — I relived that every night."

Across America on any given evening, hundreds of veterans of the wars in Iraq and  Afghanistan like Noel are homeless, according to government estimates.

The reasons for their plight are many. For some, residual stress from daily insurgent attacks and roadside bombs makes it tough to adjust to civilian life; some can't navigate government assistance programs; others simply can't afford a house or apartment.

They are living on the edge in towns and cities big and small, from Washington state to California and Florida. Some of the hardest hit are in New York City, where housing costs "can be very tough," says Peter Dougherty, head of the federal government's Homeless Veterans Program. Studio apartments routinely exceed $1,000 a month — no small sum for veterans trying to land on their feet.

As a member of the National Guard, Nadine Beckford patrolled New York train stations after the Sept. 11 attacks, then served a treacherous year in the Gulf region.

But when she returned home from Iraq, she found her storage locker had been emptied of all of her belongings and her bank account had been depleted. She believes her boyfriend took everything and "just vanished."

Six months after her return to America, she lives in a homeless shelter in Brooklyn, sharing a room with eight other women and attending a job training program. Her parents live in Jamaica and are barely making ends meet, she says.

"I'm just an ordinary person who served. I'm not embarrassed about my homelessness, because the circumstances that created it were not my fault," says Beckford, 30, who was a military-supply specialist at a U.S. base in Iraq — a sitting duck for around-the-clock attacks "where hell was your home."

It was a "hell" familiar to Noel during his eight months in Iraq. But it didn't stop when he returned home to New York last year and couldn't find a job to support his wife and three children. Without enough money to rent an apartment, he turned to the housing programs for vets, "but they were overbooked," Noel says.

While he was in Iraq, his family had lived in military housing in Georgia.

In New York, they ended up in a Bronx shelter "with people who were just out of prison, and with roaches," Noel says. "I'm a young black man from the ghetto, but this was culture shock. This is not what I fought for, what I almost died for. This is not what I was supposed to come home to."

There are about 200,000 homeless vets in the United States, according to government figures. About 10 percent are from either the 1991        Gulf War or the current one, about 40 percent are Vietnam veterans, and most of the others served when the country was not officially at war.

"In recent years, we've tried to reach out sooner to new veterans who are having problems with post-traumatic stress, depression or substance abuse, after seeing combat," says Dougherty. "These are the veterans who most often end up homeless."

About 350 nonprofit service organizations are working with the Department of Veterans Affairs to help veterans.

But the veterans still land on a hard bottom line: Almost half of America's 2.7 million disabled veterans receive $337 or less a month in benefits, according to the government. Fewer than one-tenth are rated 100 percent disabled, meaning they get $2,393 a month, tax free.

"And only those who receive that 100 percent benefit rating can survive in New York," says J.B. White, a 36-year-old former Marine who served with a National Guard unit in Iraq. His colon was removed after he was diagnosed with severe ulcerative colitis, which civilian medical experts believe started in Iraq under the stress of war.

"I'd be homeless if it weren't for the support of my family," says White, who is trying to win benefits from the VA. He also helps others, like Beckford, as head of a Manhattan-based social service agency that finds non-government housing for vets.

Noel now attends a program to get work in studio sound production. He was the protagonist of the documentary film "When I Came Home," which was named best New York-made documentary at the Tribeca Film Festival this year.

Just after the news reports about his plight, he learned the government was granting him the 100 percent disability compensation he sought — after being turned down.

Noel doesn't blame the Army, which "helped make my dreams come true," he says, recalling the military base life in Georgia and in Korea that his family enjoyed before his deployment to Iraq.

"I had a house, a car — they gave me everything they promised me," he says. "Now it's up to the government and the people we're defending to take care of their soldiers."

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On the Net:

VA's Homeless Veterans Program: http://www1.va.gov/homeless