Fifteen per cent of young people are in debt. Long, drawn-out debt-collection processes stand in the way of their development and health, as does the traditional system of fines and accumulating collection costs. Afdeling Buitengewone Zaken and Garage2020, together with the Albeda in Rotterdam, developed MONNIE, an app that helps young people to pay their bills more easily and gradually reduce their arrears. Furthermore, MONNIE makes creditors themselves jointly responsible for the prevention of problematic debts.