Nationwide - RIP Medical Debt

Campaign to relieve debt nationwide!

Every dollar you donate forgives $100 in Medical Debt

Campaign Created ByGeorgetown MBA Students

Campaign Created by Georgetown University MBA Students

Maximize the power of a dollar. Each day 79 million Americans choose between paying their medical bills and paying for basic needs like food and shelter. RIP Medical Debt is trying to change that.

Every dollar donated can forgive up to $100 in medical debt. So by making a $10 donation, you can forgive up to $1,000 of medical debt. This can profoundly impact people’s lives by lifting them out of a debt trap, and giving them the power to increase their credit score, invest in a home, and even gain employment.

To show our gratitude to those who donate $10 or more, we are raffling off an Apple Watch, VitaMix, Instant Pot, and AirPod Pros. After you donate, please fill out this form to take part in the raffle.

  • 1 ticket for $10 donation
  • 3 tickets for $25 donation
  • 8 tickets for $50 donation

You also get to select the prizes you are interested in!

More about us and why we are committed to addressing this problem:

We are a team currently in Georgetown’s MBA program. We are ourselves working through the question – what is the most good you can hope to do with a dollar? We are convinced that forgiving medical debt is the best way and with your help – we think we can make a huge difference in many people’s lives.

But don’t just take it from us, hear from some of our RIP’s medical debt relief beneficiaries:

  • From William: “I wish to express my heartfelt thank you for this gift. Having been in the hospital 3 times in the last 12 months, I still have thousands in co-pays remaining. With high costs for medicine, it has been difficult to pay all of my medical bills. Thank you so very much.”
  • From Marie: “I wanted to thank you for the assistance with my outstanding debt. I was going through a very difficult time and had just lost my husband to cancer. Taking care of him had been my sole job for a long time… thank you again for your help, it is very much appreciated.“
  • From Wesley: “I check my credit score on a weekly basis. This morning when I checked it, I was confused to see my only derogatory mark had mysteriously vanished and that my credit score went up. When I received your letter this afternoon. I was stunned. Thank you! In times of such derision in our country, it is very humbling to learn first-hand that there are still caring and generous people out there. Please extend my sincere gratitude to the donors responsible for this kind act.“
  • From Philip: “Anytime I went to the mailbox, it was this feeling of trepidation, ‘Oh no it’s going to be another bill. When I opened this up, I thought this might be one of those consolidation notices. So when I read what it actually said, it was amazing. It lifted a huge weight off. Thank you!”

Who qualifies to have their medical debt forgiven?

  1. Earn less than 2x the federal poverty level (varies by state, family size).
  2. Debts are 5 percent or more of annual income.
  3. Facing insolvency — debts are greater than assets.

RIP Medical Debt is a 501(c)(3) nonprofit organization, and their EIN number is 47-1442997. Donations are tax-deductible as allowed by law.

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Fundraise for This Campaign

Start a fundraiser to help those in need. Set a personal fundraising goal and track online donations easily with RIP.

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How RIP Works

Over a hundred million Americans, one in three, struggles with the weight of medical debt.

Here’s how we lift them up.

You make a donation

With every donation, RIP uses its precise data analytics to pinpoint the medical debt of those most in need of relief: households whose income is below twice the federal poverty line or are insolvent.

RIP buys medical debt at a steep discount

Your donations allow us to buy debt in bundles. That allows us to buy debt at a fraction of the original cost. So whatever you donate has 100x the impact.

Together we wipe out medical debt

People receive a letter that their debt is gone. No taxes. No penalties. Just like that, they're free of medical debt.

Frequent Questions

Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.

Relevant Documents:

When we purchase a portfolio of medical debt, we abolish debt for individuals who:

  • Earn less than 2x the federal poverty level (varies by state, family size).
  • Debts are 5 percent or more of annual income.
  • Facing insolvency — debts are greater than assets.

We only buy debt that has been pre-qualified by our partners to meet at least one of these three criteria. 

We never collect on debt we purchase, only relieve it.

No. With your help, we abolish medical debt permanently. Recipients have no adverse tax consequences, obligations, or strings attached.

For those whose medical debts are relieved, the relief is a gift from a detached and disinterested third party (RIP) as an act of generosity, so relief of the debt does not count as income to the debtor. We will not file a Form 1099-C with the IRS.

Due to HIPAA laws, RIP Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

RIP Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, RIP Medical Debt cannot abolish medical debt for specific individuals. We approach the problem of medical debt by acquiring large portfolios of debt to help thousands of people at once.

Because medical debt affects so many people who may not have debt accounts in the portfolios we purchase, we have compiled a list of resources that may be able to help in ways RIP Medical Debt cannot.

Campaign Created ByWinter Park Presbyterian Church
Campaign Created ByRIP Medical Debt
Campaign Created ByRIP Medical Debt