The Whole-Person Concept for Security Clearance Applicants

I received a secret clearance less than a year out from BR. In fact my financial advisor advised because of a car lease mishap… blah blah blah. That was 5 years ago and a potential employer is asking me to update for a TS/SCI. Will my only having a mortgage - no credit cards, no loans, my car is almost paid off (could pay it off before I submit) show I’ve learned my lesson and a TS be possible? I like the job and would be interested but don’t want to end up unemployed or lose my secret (although without a job requiring one I’ll lose it anyway).