KEYWORD:  Guideline F
DIGEST: Applicant has not rebutted the presumption that the Judge considered all of the
evidence in the record.  Adverse decision affirmed.
CASE NO: 16-02852.a1
DATE: 01/30/2018
DATE:  January 30, 2018
In Re:
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Applicant for Security Clearance
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ISCR Case No. 16-02852
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Ryan C. Nerney, Esq.
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On
September 26, 2016, DoD 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 decision
on the written record.  On October 20, 2017, after considering the record, Defense Office of
Hearings and Appeals (DOHA) Administrative Judge Francisco Mendez 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 decision was
arbitrary, capricious, or contrary to law.  Consistent with the following, we affirm.  
The Judge’s Findings and Analysis
Applicant, who is a military reservist, has held a security clearance since 2013.  He has
worked as a Federal contractor since 2015.  He defaulted on several student loans.  He states that
he has consolidated them but did not provide corroboration.  The records that he did submit show
that he made inconsistent payments since 2015.  He did not submit a copy of a repayment plan or
documents showing that he is abiding by such a plan.  He also failed to show that he was resolving 
two minor credit card accounts, one of which he had promised to pay on his security clearance
application that he completed in 2015.
The Judge concluded that Applicant had failed to meet his burden of persuasion as to
mitigation.  The Judge noted that Applicant has been gainfully employed since 2015 and has earned
a six-figure salary since 2016.  He stated that Applicant’s payments on his student loans have been
irregular.  He found that none of the mitigating conditions apply to Applicant’s circumstances.
Discussion
Applicant contends that the Judge did not consider all of the evidence, including his years
of service to the Government.  Applicant’s argument is not enough to rebut the presumption that the
Judge considered all of the evidence in the record.  See, e.g., ISCR Case No. 17-00257 at 3 (App.
Bd. Dec. 7, 2017).  Applicant cites to a Hearing Office case that he believes supports his effort to
receive a favorable determination.  We give this case due consideration as persuasive authority. 
However, Hearing Office cases are binding neither on other Hearing Office Judges nor on the
Appeal  Board.  See, e.g., ISCR Case No. 16-03219 at 2 (App. Bd. Nov. 15, 2017).  
Applicant cites to the Judge’s comment that Applicants are not required to be debt-free. 
However, there is no reason to believe that the Judge held against Applicant merely because
Applicant had unresolved debts as of the close of the record.  To the contrary, the Judge’s decision
rested on a paucity of evidence to show that Applicant was making reasonable and good-faith efforts
to address his financial problems.  The Judge’s decision is not contradictory, as Applicant argues,
nor does it otherwise suggest that the Judge failed to consider the evidence as a cumulative whole. 
See, e.g., ISCR Case No. 16-00578 at 2-3 (App. Bd. Sep. 26, 2017).
The Judge examined the relevant evidence and articulated a satisfactory explanation for the
decision.  The 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, Encl. 2, App. A ¶ 2(b):  “Any
doubt concerning personnel being considered for national security eligibility will be resolved in
favor of the national security.”
Order
The Decision is AFFIRMED.        
Signed:   James E. Moody      
James E. Moody
Administrative Judge
Member, Appeal Board
Signed:   William S. Fields     
William S. Fields
Administrative Judge
Member, Appeal Board
Signed:   James F. Duffy       
James F. Duffy
Administrative Judge
Member, Appeal Board