[Craig]

If you were denied for CTR, you will probably be denied for SECF. Both require a Top Secret & a SSBI access. The Top Secret is nothing, its the SSBI access which will be the problem.

What I don't understand is student load are "good debt", and not like "bad debt" like a credit cards. Are you positive you were denied for the loan? or could it be you have foreign members in your family or your friends?

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Notes:
1. VISION CORR 20/20 = Vision must correct TO 20/20.
2. NCP = Normal color perception.
3. NH = Normal hearing (“1” under H of PULHES).
4. NSI = No speech impediment.
5. SCE = Must be security clearance eligible.
6. SUB QUAL = Submarine qualified.
7. MOS OBLI SERV =Obligated service/months.
8. US CIT = U.S. citizenship required.
9. Submarine volunteers must ultimately meet physical standards per MANMED Article 15-69. For initial enlistment purposes, MEPS
physical is satisfactory. Submarine volunteers must be briefed that a more detailed physical will be conducted at RTC or BESS to
determine physical qualification for submarines.

PULHES

P — The "P" stands for "Physical capacity or stamina." This factor, general physical capacity, normally includes conditions of the heart; respiratory system; gastrointestinal system, genitourinary system; nervous system; allergic, endocrine, metabolic and nutritional diseases; diseases of the blood and blood forming tissues; dental conditions; diseases of the breast, and other organic defects and diseases that do not fall under other specific factors of the system.
U — The "U" stands for "Upper Extremities". This factor concerns the hands, arms, shoulder girdle, and upper spine (cervical, thoracic, and upper lumbar) in regard to strength, range of motion, and general efficiency.
L — The "L" stands for "Lower Extremities". This factor concerns the feet, legs, pelvic girdle, lower back musculature and lower spine (lower lumbar and sacral) in regard to strength, range of motion, and general efficiency.
H — The "H" stands for "Hearing and Ears". This factor concerns auditory acuity and disease and defects of the ear.
E — The "E" stands for "Eyes". This factor concerns visual acuity and diseases and defects of the eye.
S — The "S" stands for "Psychiatric". This factor concerns personality, emotional stability, and psychiatric diseases.

Note:
Four numerical designations are used to reflect different levels of functional capacity. The basic purpose of the physical profile serial is to provide an index to overall functional capacity. Therefore, the functional capacity of a particular organ or system of the body, rather than the defect per se, is evaluated in determining the numerical designation 1, 2, 3, or 4.
For example, if a military job requires a physical profile of "123123," that means, in order to qualify for that job, a person would have a medical rating a "1" in the area of "Physical capacity or stamina," a medical rating of "2" or better in the area of "Upper extremities," have a medical rating of "3" or better in the area of "Lower extremities," a rating of "1" in the area of "Hearing and Ears," etc.
As for the numerical designators, they generally mean a military medical evaluation of:
An individual having a numerical designation of “1” under all factors is considered to possess a high level of medical fitness.
A physical profile designator of “2” under any or all factors indicates that an individual possesses some medical condition or physical defect that may require some activity limitations.
A profile containing one or more numerical designators of “3” signifies that the individual has one or more medical conditions or physical defects that may require significant limitations. For those applying for military service, this designation is usually a disqualification. For individuals already in the service, the individual should receive assignments commensurate with his or her physical capability for military duty (i.e., limited duty/assignments)
A profile serial containing one or more numerical designators of “4” indicates that the individual has one or more medical conditions or physical defects of such severity that performance of military duty must be drastically limited, and usually disqualifies applicants.