Crossword Genius

Young one who’d come out by kind of junction is a liability (4)

Ross

I believe the answer is:

debt

I'm a little stuck... Click here to teach me more about this clue!

'liability' is the definition.
(I know that debt is a type of liability)

'young one who'd come out by kind of junction' is the wordplay.
I cannot quite understand how this works, but
'junction' could be 't' and 't' is found within the answer.
The remaining letters 'deb' is a valid word which might be clued in a way I don't understand.
This explanation may well be incorrect...

'is a' is the link.

Can you help me to learn more?

(Other definitions for debt that I've seen before include "Money owed or due" , "Something owed" , "What's due" , "Amount owing" , "The state of owing something" .)

I've seen this clue in The Times.
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