Issue Encyclopedia · Guideline F · Financial
Student Loan Debt
What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, not a prediction.
Official mitigating conditions cited
The formal mitigating conditions (by official paragraph) that case profiles identified on this issue, in cases that were granted vs denied. Extracted for a subset of cases; counts are numbers of cases, not rates. Read what each condition says.
| Condition | In granted cases | In denied cases |
|---|---|---|
| ¶ 20(d) | 374 | 59 |
| ¶ 20(b) | 343 | 29 |
| ¶ 20(c) | 223 | 22 |
| ¶ 20(a) | 113 | 2 |
| ¶ 20(e) | 22 | 7 |
| ¶ 20(g) | 18 | 8 |
Circumstances credited in granted cases
Specific circumstances the judge expressly credited, among the granted cases on this issue where that detail was extracted (a subset of the record, so these are raw counts, not rates).
- debt paid in full · credited in 3 granted cases
- payment plan with creditor · credited in 2 granted cases
- rehabilitation evidence · credited in 1 granted case
Recent decided examples
- ISCR 16-03163 granted · 2019The applicant in this case was a 64-year-old aircraft technical design engineer who sought a security clearance to work in the defense industry. The Department of Defense (DoD) issued a Statement of R…
- ISCR 17-02456 granted · 2019The applicant in this case was a 42-year-old employee of a defense contractor who sought to retain her security clearance, which she had held since approximately 2008. The Department of Defense issued…
- ISCR 20-01398 denied · 2022The applicant in this case was a 45-year-old individual seeking a security clearance, facing allegations under Guideline F, which pertains to financial considerations. The Statement of Reasons (SOR) o…
- ISCR 24-00001 denied · 2025The applicant in this case was a 38-year-old service dispatcher who sought a security clearance but faced allegations under Guideline F (Financial Considerations) due to multiple delinquent accounts t…
Related issues under Guideline F
- Credit Card Debt · 4,694 cases
- Medical Debt · 3,844 cases
- Unpaid Federal/State Taxes · 3,187 cases
- Auto Loan / Vehicle Repossession · 2,794 cases
- Utility / Phone / Cable Debt · 2,339 cases
- Mortgage / Home Loan Debt · 2,120 cases
For questions about how this issue has been treated on particular facts, the assistant searches the record, and the CASE Prep service provides a written, human-reviewed response. Descriptive research only: not legal advice or a prediction.