Summary
The applicant, a 37-year-old married man with a young child, sought a security clearance under Guideline F (Financial Considerations) after incurring significant student loan debt. He successfully rehabilitated his debts and demonstrated responsible financial management, leading to the granting of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Collection Account Owed to a Private Lender in the Amount of $17,000, which was resolved due to a lawsuit against the lender (1.a). Delinquent DOE student loan in the amount of $9,266, which is now in good standing after rehabilitation (1.b). Delinquent DOE student loan in the amount of $8,861, which is now in good standing after rehabilitation (1.c). Delinquent DOE student loan in the amount of $6,620, which is now in good standing after rehabilitation (1.d). Delinquent DOE student loan in the amount of $5,653, which is now in good standing after rehabilitation (1.e). Delinquent DOE student loan in the amount of $4,397, which is now in good standing after rehabilitation (1.f). Delinquent DOE student loan in the amount of $4,332, which is now in good standing after rehabilitation (1.g). Collection Account Owed to a Medical Provider in the Amount of $297, which is resolved after payment (1.h). Collection Account Owed to a Medical Provider in the Amount of $61, which is resolved after payment (1.i). Collection Account Owed to a Lender in the Amount of $300, which is resolved after payment (1.j).
The judge granted the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(d), AG ¶ 20(e). The decision turned on the following: The applicant rehabilitated his student loans and is currently making payments on them; He resolved all collection accounts listed in the Statement of Reasons (SOR); The applicant's financial situation improved significantly due to his wife's employment as a nurse and his own stable job.
Why the applicant prevailed
- The applicant rehabilitated his student loans and is currently making payments on them.
- He resolved all collection accounts listed in the Statement of Reasons (SOR).
- The applicant's financial situation improved significantly due to his wife's employment as a nurse and his own stable job.
Conditions referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)appliedBehavior Happened so Long Ago, Was Infrequent, or Occurred Under Circumstances Unlikely to Recur
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 20(d)appliedIndividual Initiated and Is Adhering to a Good-faith Effort to Repay Overdue Creditors
- AG ¶ 20(e)appliedIndividual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key rule quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural posture
- SOR issuedMay 4, 2020
- Answer filed—undated document
- Hearing heldMar 12, 2021
- Decision dateApr 8, 2021
Cite for
- Mitigation of Financial Concerns Under Guideline F
- Successful Rehabilitation of Student Loans
- Evidence of Responsible Financial Management Leading to Security Clearance Approval.