Crossword Genius

Brilliant new information welcomed by one with debts (9)

Ross

I believe the answer is:

ingenious

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'brilliant' is the definition.
(thesaurus)

'new information welcomed by one with debts' is the wordplay.
'new' becomes 'n'.
'information' becomes 'gen' (gen is a kind of information).
'welcomed by' means one lot of letters goes inside another (I've seen this in other clues).
'one with' becomes 'i' (I can't justify this - if you can you should believe this answer much more).
'debts' becomes 'ious'.
'n'+'gen'='ngen'
'i'+'ious'='iious'
'ngen' placed into 'iious' is 'INGENIOUS'.

Can you help me to learn more?

(Other definitions for ingenious that I've seen before include "Clever, inventive" , "Displaying art" , "Brilliant" , "Resourceful" , "Creative" .)

I've seen this clue in The Telegraph.
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