JOINING THE NAVY SEALS WITH OWED DEBT?

Question

I was on the way to a SEAL challenge contract about 4 months ago, the day before i went to MEPS my recruiter asked if i owe any sort of money. I told her that i had 2 negative bank accounts, a repossession, and back taxes( only for a year). I was going through very tough times and was barely able to eat each night. She said that i have to start paying each debt back and get a letter from each creditor saying that i am making consistent payments for at least a month or two. I now have a decent paying job and a very loving and helpful family. I only recently got the job so Im beginning to pay each monthly and am able to settle the overdrawn accounts. pardon the rambling, i wanted to paint a picture of my situation clearly. My question is, is my recruiter giving me wrong information, stating that with qualifying ASVAB and PST scores, I will Be able to get a SEAL challenge contract so long as i am making an effort to repay my debts? or will this stop me from getting a security clearance? I have no misdemeanor or criminal record and am currently attending a local university. Thank You for your replies and PLEASE excuse the ramble, Your time and knowledge is a much appreciated gift.

those with similar experience are encouraged to reply

? · Accepted Answer

You should expect to be denied enlistment until you have resolved a majority or all of your financial issues.

Smiles ♡ · Answer

Being in debt, makes you lose your security clarence when you are in the military, and if you owe too much before attempting to join, they usually decline you, especially for jobs like seals, where all you need to concentrate on the task at hand, and not be worrying about how much money you still owe. You won't make a lot starting off in the military, so I would suggest paying off as much debt as possible, if not all, then join. Be better off. Your recruiter is correct and looking out for your best interest to helping you reach that goal! Good luck.

jeeper_peeper321 · Answer

Dent is not a issue, bad debt is or excessive debt is

IE: if you have debt in collections status - thats an issue

if you have a abnormal amount of debt ( other than student loans ) then that is an issue

2. so as long as you get your debt out of collections status by making payments and it is reflected on your credit report that you are making payments

then your good to go security clearance wise

3. why would you think your recruiter would lie to you about this ? you think he has time to play games with you and is later gonna come back and go HAHA, i lied to you, you cannot enlist ?

B · Answer

Bust your ***...work overtime...take extra work, etc and get that debt wiped out before you go in. When you go in, the pay isn't great AND if you have a family to support, it is even tougher. The navy frowns on financial issues from sailors. You want all that behind you free and clear. Just work hard and do what your recruiter says. Then, when you go in, you won't have anything that might come back to bite you in the ***. Also, if you are going to be a seal, keep your *** in shape. Those guys get killed physically and mentally throughout their training and they have to stay in shape. Good luck and thanks in advance for serving.

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JOINING THE NAVY SEALS WITH OWED DEBT?

4 Answers