Summary
A 36-year-old security officer for a Department of Defense contractor was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The Statement of Reasons (SOR) alleged several outstanding debts, including two student loans totaling $4,377 and $2,001, respectively, which the applicant initially denied. He stated that one student loan was fully paid via payroll deduction and he was actively working to resolve the second. Additionally, an allegation concerning a $272 debt was found in the applicant's favor, as he denied owing it and the creditor was collecting on behalf of another.
However, two other debts, for $6,359 and $272, remained unpaid at the time of the decision. Disqualifying conditions F.1.a and F.1.c were raised due to these financial issues.
Ultimately, the judge applied mitigating conditions F.2.b and F.2.c, finding that the applicant had established a repayment plan for his largest student loan and made significant payments. He also demonstrated consistent child support payments and lived within his means. The judge noted that some financial difficulties stemmed from circumstances beyond his control, such as his separation from his wife, leading to the decision to grant the security clearance.
Why the Applicant Prevailed
- The applicant established a repayment plan for his largest student loan and has made significant payments towards it.
- He has been consistent in paying child support and living within his means.
- The applicant's financial issues were largely due to circumstances beyond his control, such as his separation from his wife.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- F.2.brejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant's voluntary unemployment was not considered beyond his control.
- F.2.cappliedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under ControlThe applicant is actively working on repayment plans for his debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedJun 6, 2011
- Answer filedJun 21, 2011
- Hearing heldOct 26, 2011
- Decision dateDec 12, 2011
Cite For
- Mitigation of Financial Concerns Under Guideline F
- Consideration of the Whole-person Concept in Security Clearance Decisions
- Evidence of Actual Debt Reduction Through Payment of Debts as a Factor in Financial Evaluations