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ISCR Case 24-00143 — CASE

Case record

ISCR Case 24-00143

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

Case Profile
Decision Date11/26/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: Erin P. Thompson
Case Summary
the likelihood of continuation or recurrence.
The applicant in this case was a 37-year-old employee of a defense contractor seeking a security clearance. The Department of Defense issued a Statement of Reasons (SOR) citing financial considerations as the primary concern, specifically alleging that the applicant had accumulated 11 delinquent student loans totaling over $51,000 and owed $5,672 in federal taxes for the tax years 2022 and 2023.
During the hearing, the applicant admitted to the allegations but provided explanations regarding her financial situation. She claimed to have been working to resolve her debts, including applying for student loan forgiveness and consolidating her loans. However, the administrative judge found that the applicant's financial issues remained unresolved, noting that while she had made some payments, they were insufficient to demonstrate a reliable plan for managing her debts. Ultimately, the judge ruled against the applicant, denying her eligibility for access to classified information based on the failure to mitigate the financial concerns outlined in the SOR.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-00143

deniedNov 26, 2024· Hon. Roger C. Wesley· hearing

Summary

A 37-year-old defense contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to significant financial delinquencies. The Statement of Reasons cited 11 delinquent student loan debts totaling over $51,000, along with $5,672 in unpaid federal taxes for 2022 and 2023. These issues raised disqualifying conditions 19(a), 19(c), and 19(f).

The denial was based on the applicant's failure to demonstrate sufficient progress in resolving these substantial financial obligations. The judge found that the applicant's financial management history raised concerns regarding the reliability and trustworthiness required for a security position.

Furthermore, the applicant did not provide adequate documentation to substantiate claims of loan consolidation or repayment plans. Consequently, the security clearance was denied.

Why the Applicant Was Denied

The applicant failed to demonstrate sufficient progress in resolving significant financial delinquencies, including student loans and federal taxes.
The applicant's financial management history raised concerns about reliability and trustworthiness necessary for holding a security position.
The applicant did not provide adequate documentation to support claims of loan consolidation or repayment plans.

Conditions Referenced

Disqualifying

19(a)raisedInability to Satisfy Debts
19(c)raisedA History of Not Meeting Financial Obligations
19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns, or Failure to Pay Annual Federal, State, or Local Income Tax as Required

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, Safeguarding Classified Information within Industry § 2 (Feb. 20, 1960)

Procedural Posture

SOR issuedJan 24, 2024
Answer filedFeb 16, 2024
Hearing heldSep 24, 2024
Decision dateNov 26, 2024

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Demonstrating Financial Responsibility for Security Clearance Eligibility
Impact of Financial Delinquencies on Trustworthiness Assessments for Security Positions

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 11 delinquent student loan debts exceeding $51,000, which raised significant financial concerns. However, the judge ruled in favor of the applicant regarding the tax debt of $5,672 owed to the Federal Government, ultimately denying the application for security clearance due to unresolved financial issues.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Accumulated 11 delinquent student loan debts exceeding $51,000. $51,000	Against Applicant	Student Loan Debt	Admitted	(a) inability to satisfy debts	—	Claimed Debt Paid in Full Claimed Payment Plan with Creditor
1.l	Applicant is indebted to the Federal Government for taxes owed for tax years 2022 and 2023 in the total amount of $5,672. $5,672	For Applicant	Tax Unpaid	Admitted	—	—	—

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.