KEYWORD: Guideline F
DIGEST: A Judge’s weighing of the evidence will not be overturned unless it is arbitrary,
capricious, or contrary to law.  Furthermore, an applicant is not made more or less suitable for a
clearance based on how the Judge’s decision might affect the applicant.  Adverse decision
affirmed.
CASENO: 07-09098.a1
DATE: 04/16/2009
DATE: April 16, 2009 
In Re:
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Applicant for Security Clearance
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ISCR Case No. 07-09098
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro Se
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On April 4, 2008, DOHA issued a statement of reasons (SOR) advising Applicant of the
basis for that decision—security concerns raised under Guideline F (Financial Considerations) of
Department of Defense Directive 5220.6 (Jan. 2, 1992), as amended (Directive).  Applicant
requested a hearing.  On January 30, 2009, after the hearing, Administrative Judge Paul J. Mason
denied Applicant’s request for a security clearance.  Applicant appealed pursuant to the Directive
¶¶ E3.1.28 and E3.1.30.
Applicant raises the following issue on appeal: whether the Judge’s decision is arbitrary,
capricious, or contrary to law.
Specifically, Applicant contends that the Judge did not give adequate weight to her evidence
of mitigation, and she points out the negative impact that an adverse security clearance decision will
have on her job and her ability to pay her debts. 
The Judge made the following pertinent findings of fact: The SOR alleges $42,482 in
delinquent debts, and Applicant admitted almost all the allegations.  The Judge found in Applicant’s
favor as to three of the debts.  Applicant attributes many of her financial difficulties to her second
husband’s job loss and his ensuing emotional problems.  Applicant’s husband filed for bankruptcy
in 2005, but Applicant did not join in the petition because she did not want to jeopardize her security
clearance.  In October 2007, Applicant enrolled in a debt consolidation program with a down
payment of $500.  At that time, Applicant was unable to begin the prescribed payments of $300 per
month to pay down her debts, but was scheduled to do so as of October 31, 2008, just after the
hearing.  Applicant also hired a credit service firm to challenge the amount and validity of her debts.
That service charged $80 per month and completed its process in August 2008.  In November 2006,
Applicant had $31.30 a month left after all her expenses.  She now has $400 left due to salary
increases, and she has developed a budget with help from a counselor at her church.  Applicant
submitted several character reference letters.
In her appeal brief, Applicant argues that the Judge did not give adequate weight to her
evidence of mitigation.  As the trier of fact, the Judge has to weigh the evidence as a whole and
decide whether the favorable evidence outweighs the unfavorable evidence, or vice versa.  A party’s
disagreement with the Judge’s weighing of the evidence, or an ability to argue for a different
interpretation of the evidence, is not sufficient to demonstrate the Judge weighed the evidence or
reached conclusions in a manner that is arbitrary, capricious, or contrary to law.  See, e.g., ISCR Case
No. 07-00553 at 2 (May 23, 2008).
Applicant points out that an adverse security clearance decision will cause her to lose her job
and will hinder her ability to continue to improve her financial situation.  An applicant is not made
more or less suitable for a security clearance based on how the Judge’s decision might affect the
applicant.  See, e.g., ISCR Case No. 03-21012 at 4 (App. Bd. Aug. 31, 2005).
In this case, the Judge discussed the relevant disqualifying and mitigating conditions under
Guideline F.  Looking at both the favorable and unfavorable record evidence, the Judge reasonably
explained why Applicant’s evidence of mitigation did not overcome the government’s security
concerns.  The Board does not review a case de novo.  The favorable evidence cited by Applicant
is not sufficient to demonstrate the Judge’s decision is arbitrary, capricious, or contrary to law.  See,
e.g., ISCR Case No. 02-28041 at 4 (App. Bd. Jun. 29, 2005).  Given the record that was before him,
the Judge’s ultimate unfavorable decision is sustainable.
Order
The Judge’s decision denying Applicant a security clearance is AFFIRMED. 
Signed: Jean E. Smallin            
Jean E. Smallin
Administrative Judge
Member, Appeal Board
Signed: William S. Fields          
William S. Fields
Administrative Judge
Member, Appeal Board
Signed: James E. Moody           
James E. Moody
Administrative Judge
Member, Appeal Board