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It seems inconsistent. I remember a guy who had 3 DUIs before he finally lost his clearance and got kicked out of the Army (maybe he just had t switch his MOS, I can't remember). Apparently he looked really good at the Board whenever he went, which was often. Obviously somebody up the food chain kept going to bat for him.Modest debt? No. I worked for a dude that filed bankruptcy, divorced his wife, after he got out of bankruptcy continued to rack up debt and still has and renews his TS clearance.
Edit: I have to remind myself that all these things happened nearly 15 years ago.