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ISCR Case 22-02210 — CASE

Case record

ISCR Case 22-02210

A decided public DOHA case, shown for research — not advice or a prediction.

Case Profile
Decision Date12/13/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: Brian L. Farrell
Case Summary
The applicant in this case was a 52-year-old employee of a defense contractor seeking a security clearance. The Department of Defense's Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing financial considerations as the primary concern, specifically the accumulation of 16 delinquent federally guaranteed student loans exceeding $160,000, along with additional consumer and medical debts totaling over $19,500. The applicant admitted to the student loan debts but denied some of the other allegations, attributing her financial difficulties to recurrent unemployment and significant medical issues affecting her family.
During the hearing, the applicant provided evidence of some recent efforts to address her debts, including entering a fresh start program for her student loans and making partial payments on certain accounts. However, the administrative judge found that the applicant did not sufficiently mitigate the financial concerns, noting that many debts remained unresolved and that her financial counseling lacked substance. The judge concluded that the applicant's financial situation raised significant security concerns, ultimately denying her eligibility for access to classified information based on the failure to demonstrate a reliable plan for managing her debts and financial obligations.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
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Case Headnote

ISCR Case No. 22-02210

deniedDec 13, 2023· Hon. Roger C. Wesley· hearing

Summary

A 52-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons alleged she had accumulated 16 delinquent federally guaranteed student loans exceeding $160,000, 12 consumer debts exceeding $15,000, and medical debts exceeding $4,500. These delinquent accounts were alleged to remain outstanding and unresolved.

Disqualifying conditions 19(a) and 19(c) were raised, while mitigating conditions 20(b), 20(c), and 20(d) were applied. However, the applicant failed to demonstrate a sufficient tangible payment history of actual debt reduction.

Ultimately, the applicant's financial situation raised security concerns that were not adequately addressed. Her financial counseling was deemed limited and lacking substance, leading to the denial of her eligibility for access to classified information.

Why the Applicant Was Denied

The applicant failed to demonstrate a sufficient tangible payment history of actual debt reduction.
Her financial situation raised security concerns that were not adequately addressed.
The applicant's financial counseling was limited and lacked substance.

Conditions Referenced

Disqualifying

DC ¶ 19(a)appliedInability to Satisfy Debts
DC ¶ 19(c)appliedA History of Not Meeting Financial Obligations

Mitigating

MC ¶ 20(b)rejectedConditions Beyond the Person's ControlThe applicant's financial issues were not sufficiently beyond her control to mitigate the concerns.
MC ¶ 20(c)rejectedReceived Financial CounselingThe applicant's financial counseling was limited and lacked substance.
MC ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant did not demonstrate a meaningful track record of debt repayment.

Key Rule Quoted

“Eligibility for access to classified information may only be granted 'upon a finding that it is clearly consistent with the national interest to do so.'”
— Exec. Or. 10865

Procedural Posture

SOR issuedJan 11, 2023
Answer filedOct 29, 2022
Hearing heldSep 19, 2023via Microsoft Teams
Decision dateDec 13, 2023

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Demonstrating a Meaningful Track Record of Debt Repayment
Limitations of Financial Counseling in Mitigating Security Concerns

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: HearingDecided: denied

The judge found that the applicant had accumulated significant delinquent debts, including federally guaranteed student loans exceeding $160,000, consumer debts over $15,000, and medical debts totaling over $4,500. Despite some efforts to make payments and enter into payment plans, the judge concluded that the financial considerations raised security concerns that were not mitigated, resulting in a denial of eligibility for access to classified information.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant allegedly accumulated 16 delinquent federally guaranteed student loans exceeding $160,000, along with 12 consumer debts exceeding $15,000 and medical debts exceeding $4,500. Allegedly, her delinquent accounts have not been resolved and remain outstanding. $160,000	Against Applicant	Student Loan Debt	Admitted	—	—	Claimed Other
1.b–1.zzz	77 sub-charges — specific text not stated in this decision (74 against, 3 for the applicant). (low confidence)	Mixed			—	—	—

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

The complete, official text — footnotes and signatures included — is in the original PDF.