A Navy officer who testified this week that she moonlighted for an alleged prostitution ring while stationed at the Naval Academy in Annapolis, Md., was nearly $300,000 in debt at the time despite a Navy income of more than $93,000.

Lt. Cmdr. Rebecca Dickinson, 38, owed more than $58,000 on 20 credit cards and $177,000 in three mortgages. She also reported spending $700 a month on travel to see her three children.

Dickinson managed food services at the Naval Academy from September 2004 to May 2007. She also taught a leadership course. But on the side she visited the homes of clients of an escort service, charging $275 for 90-minute appointments that typically involved sex, she testified this week.

The service was allegedly run by Deborah Jeane Palfrey, the so-called D.C. Madam who is being tried in federal court. Her clientele allegedly included a number of high-profile government officials.

Dickinson's lawyer said Thursday that the officer regretted her actions. Dickinson testified under grant of immunity, but the Navy is considering administrative punishment, which could include an other-than-honorable discharge.