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                        DEPARTMENT OF DEFENSE 
         DEFENSE OFFICE OF HEARINGS AND APPEALS 
           
             
 
 
In the matter of: ) 
 ) 
  )  ISCR Case No. 14-01355  
 ) 
Applicant for Security Clearance ) 
 
 
Appearances 
 
For Government: Caroline E. Heintzelman, Esq., Department Counsel 
For Applicant: Pro se 
 
______________ 
 
Decision 
______________ 
 
 
NOEL, Nichole L., Administrative Judge: 
 
Applicant contests the Department of Defense’s (DOD) intent to deny his 
eligibility for a security clearance. Applicant incurred delinquent debt under 
circumstances that do not reflect negatively on his security worthiness. Clearance is 
granted. 
 
Statement of the Case 
 
On May 16, 2014, the DOD issued a Statement of Reasons (SOR) detailing 
security concerns under the financial considerations guideline.1 DOD adjudicators were 
unable to find that it is clearly consistent with the national interest to grant Applicant’s 
security clearance and recommended her case be submitted to an administrative judge 
for consideration. 
 
                                                          
1 This case is adjudicated under Executive Order (EO) 10865, Safeguarding Classified Information within 
Industry, signed by President Eisenhower on February 20, 1960, as amended; as well as DOD Directive 
5220.6, Defense Industrial Personnel Security Clearance Review Program, dated January 2, 1992, as 
amended (Directive). In addition, the Adjudicative Guidelines for Determining Eligibility for Access to 
Classified Information (AG), effective within the Defense Department on September 1, 2006, apply to this 
case. The AG were published in the Federal Register and codified in 32 C.F.R. § 154, Appendix H (2006). 
The AG replace the guidelines in Enclosure 2 to the Directive.