Simply being in debt won't disqualify you from joining the U.S. Army. After all, most people have at least some debt. A bigger challenge could be a poor credit score, but even then a complete disqualification isn't likely.
Sensitive Positions
A poor credit history, such as foreclosures, bankruptcies and multiple charge-offs could prevent you from holding certain jobs in the Army. The Army frowns on placing recruits with poor credit backgrounds in sensitive positions such as law enforcement and intelligence. That means you'll be disqualified, at least initially, for any Army job requiring a security clearance.
Security Risks
The Army fears that cash-strapped soldiers with poor credit backgrounds could become security risks and subject to bribes. That's why positions requiring security clearances are reserved for recruits with satisfactory credit scores.
Still Many Opportunities
The Army usually has openings in many occupational fields, and bad credit does not have to last forever. A recruit with poor credit theoretically could enter the Army in one field and later transfer to a sensitive area after improving his credit and gaining security clearance.
Other Armed Forces
The Army isn't alone in its concern about credit issues. Each branch of the armed forces has its own policy, but the Army's policies are more forgiving. With the Army, you'll need a credit check only if you're applying for a job requiring a security clearance. Other branches, such as the Air Force, require credit checks for all recruits.
See a Recruiter
Your local Army recruiter will be happy to discuss your interest in signing up. Feel free to tell the recruiter about any financial problems. She will give you the guidance you need to make the right decisions.
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