I was in the Navy for 10 years with a SECRET clearance. I am now looking to go into the National Guard due to financial hardships with the poor economy. I want to go into an IT field "25B" and need to renew my SECRET clearance as it expired last year. My question is, since I got out of the Navy, my financial situation has been declining. I am in the middle of a foreclosure and have a loan that is around 10 months delinquent due to not having the ability to pay it. These are my only issues and I am squeaky clean other than that. Will this ruin my chances of getting a clearance, or can I just explain the hardship to OPM and get cleared. what do you guys think? I don't want to be half way through AIT and find out that my clearance has been denied so that I can be re-assigned to meet "the needs of the ARMY"