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Issue Encyclopedia · Guideline F · Financial

Personal Loan / Consumer Loan Debt

What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, not a prediction.

Does personal loan / consumer loan debt affect a security clearance?

Personal Loan / Consumer Loan Debt is an issue decided under Guideline F, Financial. In the decided DOHA record it appears in 742 hearing-level cases, and 32% of the 741 decided ended with access granted (239 granted, 502 denied). The mitigating conditions judges credited most often, and example decisions either way, are below.

Basis: 741 decided hearing-level cases raising this issue. Descriptive history of decided cases, not a prediction.

More questions people ask the record

Decided cases

742

hearing-level decisions raising this issue

Granted

32%

239 granted · 502 denied or revoked

Official mitigating conditions cited

The formal mitigating conditions the case profiles identified on this issue, in cases that were granted and in cases that were denied. Each is shown with its paragraph number and a plain name. Read what each condition says.

  • ¶ 20(b) · Conditions largely beyond the person's control, met responsibly

    In granted cases
    113
    In denied cases
    7

  • ¶ 20(d) · A good-faith effort to repay or otherwise resolve the debts

    In granted cases
    105
    In denied cases
    23

  • ¶ 20(c) · Counseling received, with clear signs the problem is being resolved

    In granted cases
    52
    In denied cases
    8

  • ¶ 20(a) · So long ago, or so infrequent, that it is unlikely to recur

    In granted cases
    24
    In denied cases
    2

  • ¶ 20(e) · A reasonable and documented basis to dispute the debt

    In granted cases
    13
    In denied cases
    1

  • ¶ 20(f) · The unexplained affluence came from a legal source

    In granted cases
    4
    In denied cases
    1

Circumstances credited in granted cases

The specific circumstances the judge expressly credited among the granted cases on this issue where that detail was extracted.
  • debt paid in full · credited in 2 granted cases
  • payment plan with creditor · credited in 1 granted case

Recent decided examples

  • ISCR Case No. 26-00803Granted2026

    The applicant, who is 46 years old and served honorably in the U.S. Army, faced financial difficulties due to the Covid-19 pandemic and unexpected childcare issues. She admitted to having two delinque…

  • ISCR Case No. 26-00136Granted2026

    Applicant, a pro se defense contractor employee and Army veteran, was alleged to have four delinquent debts totaling about $32,787 under Guideline F. He admitted the debts, but the record showed subst…

  • ISCR Case No. 26-00038Denied2026

    The applicant's security clearance was denied due to failure to mitigate financial concerns under Guideline F. The applicant admitted to multiple delinquent debts totaling over $47,000, including auto…

  • ISCR Case No. 26-00144Denied2026

    The case involves an applicant for security clearance who faced unresolved financial issues, including five delinquent debts totaling approximately $47,000. The applicant admitted to the allegations b…

See all 742 decisions on this issue

Related issues under Guideline F

How these numbers are measured

Scope: decided hearing-level cases whose per-allegation profile records this issue, matched to the same issue value the search filters use, so a count here and a filtered search always agree. A case raising several issues counts under each one. The mitigating conditions and the credited circumstances below were extracted for a subset of the record, so both are counts of cases rather than rates. Pages exist only for issues with at least 25 decided cases, and † marks any split built on fewer than 20.

Reading the statistics

  • Granted = access granted or continued; Denied = denied or revoked.
  • Grant rate = granted ÷ (granted + denied).
  • † marks figures based on fewer than 20 cases, too few to be reliable.
  • Hovering any rate shows its statistical range (a 95% confidence interval).
  • Figures are descriptive counts over decided, public DOHA ISCR decisions, never predictions or assessments of any pending case.

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