KEYWORD: Guideline F
DIGEST: Applicant’s household income is $150,000.  His delinquent debts total $41,000. 
Adverse decision affirmed.
CASENO: 10-05894.a1
DATE: 10/21/2011
DATE: October 21, 2011
In Re:
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Applicant for Security Clearance
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ISCR Case No. 10-05894
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 December 6, 2010, DOHA issued a statement of reasons (SOR) advising Applicant
of the basis for that decision–security concerns raised under Guideline F (Financial Considerations)
1Applicant “has paid approximately $6,000 on seven delinquent accounts addressing approximately $9,500 of
his delinquent debt.”  Decision at 4.  
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of Department of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant
requested a hearing.  On July 28, 2011, after the hearing, Administrative Judge Claude R. Heiny
denied Applicant’s request for a security clearance.  Applicant appealed pursuant to Directive ¶¶
E3.1.28 and E3.1.30.
Applicant raised the following issue on appeal: whether the Judge’s adverse security
clearance decision was arbitrary, capricious, or contrary to law.  Consistent with the following, we
affirm the Judge’s decision.
The Judge made the following pertinent findings of fact: Applicant is a senior electronics
engineer who has worked for a Defense contractor since 2001.  He served in the U.S. Navy from
1990 to 1995.  He enjoys a good reputation among fellow workers and friends for his
professionalism, trustworthiness, and good judgment.  
Applicant has been married and divorced three times.  He is engaged to be married to a
financial analyst.  They share a household and have a combined income of $150,000.  
Applicant has experienced financial problems in the past.  He attributed them to spending
habits of a former spouse.  In 2005 Applicant was discharged in Chapter 7 bankruptcy.  Since that
time, however, he acquired other debts which became delinquent.  The SOR alleged 10 delinquent
debts.  The Judge found in Applicant’s favor on seven of these allegations.1  Of the three allegations
that formed the basis of the Judge’s adverse findings, two were debts for student loans and another
was a delinquent mortgage.  Applicant attributed his mortgage delinquency to his then-wife’s failure
to get a job, although she had promised to do so prior to the purchase of the house.  The total amount
of the debts which the Judge found against Applicant was approximately $41,000.  Although not
alleged in the SOR, Applicant failed to submit federal tax returns for tax years 2008, 2009, and
2010.  He finally submitted returns for these tax years after the hearing. 
In the Analysis, the Judge stated that Applicant had failed to demonstrate responsible action
regarding the three debts referenced above.  He stated that Applicant had failed to take significant
action to implement a repayment plan for his student loans and that his mortgage debt remains
unpaid.  The Judge also noted that Applicant was dilatory in addressing debts: “In the 16 months
from the [clearance] interview until the hearing, he had paid approximately $2,500 addressing two
of the SOR debts.”  Decision at 8-9.    
   
Applicant contends that the Judge did not properly weigh the evidence.  In his brief, he cites
to evidence concerning the effect of his prior marital problems on his financial situation.  He also
cites to his efforts to establish a repayment plan for his student loans.  The Judge addressed these
matters in his Decision.  Applicant’s appeal brief essentially consists of an alternative reading of the
evidence.  This alternative reading is not sufficient to undermine the Judge’s weighing of the
evidence.  See, e.g., ISCR Case No. 07-06952 at 2 (App. Bd. Apr. 24, 2008).  Applicant’s brief
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includes new evidence not contained in the record, concerning his payments on his student loans.
We cannot consider new evidence on appeal.  Directive ¶ E3. 1.29.   
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).  See also Directive, Enclosure 2 ¶ 2(b):
“Any doubt concerning personnel being considered for access to classified information will be
resolved in favor of the national security.”
Order
The Judge’s adverse security clearance decision is AFFIRMED.  
Signed; Michael Y. Ra’anan           
Michael Y. Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: Jean E. Smallin                      
Jean E. Smallin
Administrative Judge
Member, Appeal Board
Signed: James E. Moody                 
James E. Moody
Administrative Judge
Member, Appeal Board