The goal of the project is to assess the viability of a social credit lending system for young people who have aged out of care. During crises, these young people often lack a financial safety net. NICCSS has undertaken preliminary conversations with YACs from VACFSS and Aunt Leah's in order to locate the gaps for young people who have aged out of care that could be filled by an ethical lending system. They reported that young people often lack funds for basic needs such as food, housing, medical cost and transportation, as well for aspirational needs like technology, education, career and personal development. The project would work with young people, community partners, financial institutions, health care providers, housing providers, and corporations to develop an ethical social credit lending system responsive to the needs of young people, giving them choice without miring them in needless debt. The project would work to establish a social credit score system whereby young people would receive "credit" for demonstrating connectedness to community and pro-social activities that would give them access to much-needed capital. Young people often face poverty; the project’s repayment system would allow young people to be successful in meeting the terms of their loan by accepting cash repayments, as well as goal-related and meaningful experiences such as volunteer work or work skills development, which will further increase community connections and pro-social activities.