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ISCR Case 24-01963 — CASE

Case record

ISCR Case 24-01963

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

Case Profile
Decision Date2/2/2026
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Erin C. Hogan
Government Counsel: Sakeena Farhath
Case Summary
The applicant in this case was a 27-year-old employee of a defense contractor seeking to maintain a security clearance. The Department of Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing concerns under Guideline F, Financial Considerations, due to the applicant's four delinquent debts totaling approximately $40,000. The applicant admitted to some debts but denied others, claiming he was in the process of resolving them.
During the hearing, the applicant acknowledged the $30,164 student loan debt and indicated he had entered into a payment plan. He denied the $9,677 debt, asserting he did not recognize it. He claimed to have settled the two student loan accounts for a lump sum of $19,000 but failed to provide documentation to support this claim. The applicant also stated that he had entered repayment plans for two credit card debts but did not submit proof of payment. His financial situation was complicated by a lack of income during a period of unemployment and ongoing support for family members.
The administrative judge ruled against the applicant, concluding that the financial concerns were not mitigated. The judge noted the applicant's failure to provide necessary documentation to substantiate his claims of debt resolution and the continued presence of delinquent accounts on his credit report. The judge emphasized the importance of demonstrating financial responsibility and the potential risk to national security posed by unresolved financial issues, ultimately denying the applicant's eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01963

deniedFeb 2, 2026· Hon. Erin C. Hogan· hearing

Summary

A 27-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved delinquent debts exceeding $40,000. The Statement of Reasons detailed four specific allegations: approximately $30,164 for one delinquent student loan, $9,677 for another delinquent student loan, $637 for a delinquent credit card account reported as a loss, and $529 for a separate delinquent credit card account also reported as a loss.

The denial was based on the applicant's ongoing financial issues, which included these delinquent debts totaling over $40,000. Although the applicant claimed to have entered payment plans and settled some debts, insufficient documentation was provided to verify these assertions.

Ultimately, the judge concluded that the applicant did not demonstrate the necessary financial responsibility for a security clearance. The applicant's financial issues were considered ongoing and were not mitigated by any evidence of good-faith efforts to resolve the debts, leading to the denial.

Why the Applicant Was Denied

The applicant had unresolved financial issues, including delinquent debts totaling over $40,000.
The applicant failed to provide documentation verifying claims of payment plans and debt resolution.
The applicant's financial issues were ongoing and not mitigated by any evidence of good-faith efforts to resolve debts.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(b)appliedHistory of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”

Procedural Posture

SOR issuedJan 8, 2025
Answer filedJan 22, 2025
Hearing heldDec 10, 2025via video-teleconference
Decision dateFeb 2, 2026

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Providing Documentation to Support Claims of Debt Resolution
Ongoing Financial Issues as a Basis for Security Clearance Denial

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 multiple financial concerns under Guideline F, including delinquent student loans and credit card debts. Despite the applicant's claims of entering into payment plans and settling some debts, the judge ruled against the applicant, citing ongoing financial issues and a lack of resolution for the debts.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant owes approximately $30,164 for a delinquent student loan that was placed for collection. $30,164	Against Applicant	Student Loan Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	(b) conditions largely beyond the person’s control; acted responsibly	Claimed Payment Plan with Creditor Documented Debt Paid in Full
1.b	Applicant owes approximately $9,677 for a delinquent student loan that was placed for collection. $9,677	Against Applicant	Student Loan Debt	Denied	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	Claimed Debt Disputed with Creditor
1.c	Applicant owes approximately $637 for a delinquent credit card account that was reported as a loss. $637	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	(b) conditions largely beyond the person’s control; acted responsibly	Claimed Payment Plan with Creditor Documented Debt Paid in Full
1.d	Applicant owes approximately $529 for a delinquent credit card account that was reported as a loss. $529	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	(b) conditions largely beyond the person’s control; acted responsibly	Claimed Payment Plan with Creditor Documented Debt Paid in Full

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.