<p>kk, I think I’m pretty well informed. I too have an intelligence background and have lots of friends that process or did process BIs and security clearances. I have talked extensively with them on what affects them and what does not. Yes, someone with $300,000 debt with absolutely little (poverty level) to no income may be considered a higher risk. However, a fresh undergrad with the average of 30k student loans, or even near 70 or 80k after a grad school would not be held from a TS based solely on that.</p>
<p>Besides, the OP’s plan is to go from undergrad to AD (did you miss that?). I’m sure they can pay down a whole lot if not all of their undergrad loans from their AD pay over 4-5 years as an officer. I know MANY officers who did just that.</p>