KEYWORD: Guideline F 
DIGEST: Applicant’s debts were affected by the spending habits of his ex-wife as well as
periods of unemployment, but the Judge concluded that Applicant had not demonstrated
responsible action in regard to his debts.  The Judge’s conclusion is sustainable.  Adverse
decision affirmed.
CASENO: 10-00860.a1
DATE: 04/08/2011
DATE: April 8, 2011
In Re:
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Applicant for Security Clearance
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ISCR Case No. 10-00860
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 May 4, 2010, 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
1The SOR alleged debts for such things as medical expenses, utility services, cable services, a repossessed
vehicle, etc.    
2We note Government Exhibit 3, Answers to Interrogatories, dated March 23, 2010.  This exhibit contains a
summary of Applicant’s security clearance interview, conducted in April 2009.  At the time of the interview, he was
serving a period of active duty with the Air National Guard.  Applicant stated to the interviewer that he cleared about
$3,600 a month, that he lived on post, did not have a car, and ate all his meals in the dining hall.  This evidence suggests
that, at the time of the interview, Applicant’s day to day expenses were relatively minimal and that he had the financial
capacity to address at least some of his debts.  It underscores the Judge’s conclusion that Applicant had not taken
advantage of his periods of employment to begin paying down debt . 
requested a hearing.  On January 18, 2011, after the hearing, Administrative Judge Martin H. Mogul
denied Applicant’s request for a security clearance.  Applicant appealed the decision.  
Applicant raised the following issues on appeal: whether the Judge failed to consider all of
the record evidence or mis-weighed the record evidence and whether the Judge’s adverse security
clearance decision was arbitrary, capricious, or contrary to law.  Consistent with the following
discussion, we affirm the decision of the Judge.
The Judge found that Applicant was previously married and is currently going through a
divorce from his second wife.  He has served in the U.S. Army and also in the Air National Guard.
He is seeking a clearance in connection with possible future employment in the Defense sector.  
Applicant had numerous delinquent debts, which he had neither paid nor demonstrated an
effort at repayment.1  Applicant’s debts were affected by the spending habits of his ex-wife and his
current one, as well as periods of unemployment.  Applicant has received numerous potential job
offers.  He received a number of medals and citations from his military service and received
favorable efficiency reports.
In the Analysis portion of the Decision, the Judge noted Applicant’s unemployment and the
spending that Applicant attributed to his wives.  However, the Judge concluded that Applicant had
not demonstrated responsible action in regard to his debts, had not provided evidence to corroborate
his claims to have disputed some of the debts, and that he made no effort to resolve his debts during
periods in which he was employed.2  Decision at 7-8.   
Applicant points to record evidence of his military record as demonstrating his worthiness
for a clearance.  However, the Judge made explicit findings on this matter.  Additionally, he found
in Applicant’s favor for several of the debts alleged in the SOR.  However, given the extent of
Applicant’s delinquent debt and the paucity of record evidence demonstrating an effort at
repayment, the Judge’s ultimate conclusion that Applicant had failed to meet his burden of
persuasion as to mitigation is sustainable.  Applicant has not demonstrated that the Judge failed to
consider all of the record evidence or that he mis-weighed the evidence.  See ISCR Case No. 09-
03621 at 2 (App. Bd. Dec. 3, 2010).  
The record supports a conclusion that the Judge examined the relevant data and articulated
a satisfactory explanation for the decision, “including a ‘rational connection between the facts found
and the choice made.’”  Motor Vehicle Mfrs. Ass’n of the United States v. State Farm Mut. Auto. Ins.
Co., 463 U.S. 29, 43 (1983)(quoting Burlington Truck Lines, Inc. v. United States, 371 U.S. 156, 168
(1962)).  The Judge’s adverse decision is sustainable on this record.  “The general standard is that
a clearance may be granted only when ‘clearly consistent with the interests of the national security.’”
Department of the Navy v. Egan, 484 U.S. 518, 528 (1988). 
Order
The Judge’s adverse security clearance is AFFIRMED.
Signed: Michael Y. Ra’anan         
Michael Y. Ra’anan
Administrative Judge
Chairperson, 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