On September 11, 2020, an Administrative Judge determined that an individual's access authorization under 10 C.F.R. Part 710 should not be granted. The Individual is employed by a DOE contractor in a position that requires her to hold a DOE security clearance. In applying for her clearance, the Individual completed a Questionnaire for National Security Positions (QNSP) in January 2019. In response to the QNSP's financial questions, the Individual indicated that she had six delinquent or collection accounts totaling approximately $ 31,500. She also indicated that she would be seeking the help of a credit counseling service. Subsequently, the Local Security Office (LSO) asked the Individual to complete a Letter of Interrogatory (LOI). The LSO determined that, in addition to the approximately $31,500 in delinquent debt, the Individual had ten outstanding delinquent accounts, totaling approximately $9,500, which she failed to list on the QNSP. It also noted that the Individual had not yet obtained the services of a credit counseling agency and noted that, based upon her Personal Financial Statement (PFS), she is in a deficit of $105 each month, indicating her inability to pay her debts. During the hearing, the Individual testified that, due to an unforeseen divorce, she is not making any payments toward her debts as she barely has enough income to cover her monthly necessities. She further testified that, although she is unable to afford credit counseling services, she intends to file for bankruptcy once she can obtain sufficient funds to hire an attorney. The Administrative Judge ultimately determined that the Individual had not resolved the security concerns associated with Guideline F. Accordingly, she concluded that the Individual's access authorization should not be granted . OHA Case No. PSH-20-0055 (Katie Quintana).