Summary
The applicant, a 44-year-old cost analyst and former Marine, faced security clearance denial under Guideline F due to significant financial issues, including approximately $138,000 in student loan debt and over $64,000 in other delinquent debts. Despite some payments made, the judge found insufficient evidence of progress in resolving these debts, leading to the conclusion that the applicant's financial situation posed a security risk.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Chapter 13 bankruptcy filed in July 2010, dismissed for failure to make required payments to the plan (1.a). Chapter 13 bankruptcy filed in October 2010, dismissed for failing to file proper information (1.b). $25,000 debt owed to a credit union following vehicle repossession (1.c). $249,900 home foreclosure (1.d). $85,524 student loan debt (1.e). $56,701 student loan debt (1.f). $36,305 home equity loan for upgrades and other necessities (1.g). $19,372 student loan debt (duplicate) (1.h). $9,484 credit card debt (1.i). $1,318 telephone service cancellation fee (1.j). $576 medical debt (1.k). $177 telephone account paid (1.l). $57,710 student loan debt (duplicate) (1.m). $38,167 student loan debt (duplicate) (1.n). $5,209 credit card debt (1.o). $11,803 debt following vehicle repossession (1.p).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant has approximately $138,000 in student loan debt and over $64,000 in other delinquent debts; He has not made sufficient documented progress toward resolving his delinquent obligations; The applicant's financial problems raise concerns about his reliability and trustworthiness.
Why the Applicant Was Denied
- The applicant has approximately $138,000 in student loan debt and over $64,000 in other delinquent debts.
- He has not made sufficient documented progress toward resolving his delinquent obligations.
- The applicant's financial problems raise concerns about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of the national security.”
Procedural Posture
- SOR issuedOct 27, 2015
- Answer filedNov 18, 2015
- Hearing heldFeb 26, 2016
- Decision dateMar 7, 2016
Cite For
- Financial Irresponsibility Under Guideline F
- Insufficient Evidence of Debt Resolution
- Impact of Multiple Bankruptcies on Security Clearance Eligibility