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ISCR Case 23-00941 — CASE

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ISCR Case 23-00941

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

Case Profile
Decision Date2/23/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Brittany C. M. White
Case Summary
the administrative judge concluded that the applicant did not mitigate the financial considerations security concerns. The applicant, a 31-year-old individual sponsored for a security clearance by a defense contractor, faced allegations under Guideline F related to financial considerations. The Statement of Reasons indicated that the applicant had six delinquent accounts totaling approximately $26,195, including a repossessed car loan and five student loans in collection status.
In his response to the Statement of Reasons, the applicant admitted to owing the car loan but denied the status of the student loans, claiming they were current. However, evidence from credit reports contradicted his assertions, showing the student loans were in collection status. The applicant's financial worksheet indicated a net monthly income of $2,520 against total expenses of $2,062, but did not account for any student loan payments. The judge found that the applicant's financial issues were unresolved and that he failed to provide sufficient evidence of efforts to address his debts or to demonstrate financial responsibility.
Ultimately, the administrative judge ruled against the applicant, stating that the evidence raised significant doubts about his reliability and trustworthiness. The applicant's financial difficulties were deemed recent and unresolved, and he did not provide adequate documentation to support claims of mitigation. Consequently, eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-00941

deniedFeb 23, 2024· Hon. Robert E. Coacher· hearing

Summary

A 31-year-old engaged father was denied a security clearance under Guideline F (Financial Considerations) due to approximately $26,195 in unresolved delinquent debts. The Statement of Reasons detailed several financial issues, including a $12,152 delinquent automobile loan for a repossessed car and five student loans in collection status totaling approximately $13,043.

While the applicant admitted to one debt, he denied others, specifically claiming his student loans were current. However, he failed to provide any documentation to support these claims or demonstrate efforts to resolve his outstanding debts. His financial worksheet showed a net monthly income of $2,520 and expenses of $2,062, leaving a $457 monthly remainder, which did not account for student loan payments.

The judge found that the applicant did not mitigate the financial concerns. The debts were recent and remained unresolved, with no evidence of financial counseling or a good-faith effort to address them. Ultimately, the applicant's failure to provide documentation of efforts to resolve his debts and his overall financial condition led to the denial of the security clearance, raising questions about his reliability and trustworthiness.

Why the Applicant Was Denied

The applicant has unresolved financial issues totaling approximately $26,195.
The applicant failed to provide documentation of efforts to resolve his debts.
The applicant's financial condition raises questions about his reliability and trustworthiness.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedJul 27, 2023
Answer filedAug 9, 2023Applicant elected to have the case decided on the written record.
Hearing held—Decision made based on written record.
Decision dateFeb 23, 2024

Cite For

Unresolved Financial Issues Under Guideline F
Failure to Document Debt Resolution Efforts
Impact of Financial Distress on Security Clearance Eligibility

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: Decision on RecordDecided: denied

The judge found that the applicant had significant unresolved financial issues, including a delinquent automobile loan and multiple student loans in collection status. The applicant's financial situation was deemed insufficiently addressed, leading to a decision against the applicant on all allegations under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant owed a delinquent automobile loan for a repossessed car totaling $12,152. $12,152	Against Applicant	Auto Loan Debt	Admitted	—	—	—
1.b	Applicant owed five student loans in collection status totaling approximately $13,043. $13,043	Against Applicant	Student Loan Debt	Denied	—	—	—
1.c	Applicant failed to provide documentation showing he had taken action to resolve his debts.	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.d	Applicant's financial worksheet reflects a net monthly income of $2,520 and total monthly expenses of $2,062, leaving a monthly remainder of $457, which does not account for student loan payments.	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.e	Applicant's debts are recent and remain unresolved, with no evidence of financial counseling.	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.f	Applicant has not shown a good-faith effort to address his debts.	Against Applicant	Unspecified Financial	Unknown	—	—	—

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.