Nationwide - RIP Medical Debt
University of San Diego Hahn School of Nursing - Clinical Nurse Specialist Class of 2022
Campaign Created ByUniversity of San Diego Hahn School of Nursing - Clinical Nurse Specialist Class of 2022

We are Clinical Nurse Specialist graduate students from the University of San Diego Hahn School of Nursing. Over the past two years, we have trained for our advanced practice role in caring for adults of all ages in various healthcare settings. We have become concerned with health inequity in our community, where groups of people have different levels of health because they don’t have access to the same resources.

Medical debt is one form of health inequity. It can stem from health problems which may be sudden and outside of our control. Medical debt can be sold to debt collectors and reported to credit agencies when left unpaid.

Who is affected by medical debt?

17.8% of Americans have medical debt, and half of those people have NO OTHER DEBT.

1 in 6 of Americans have past-due health bills.

Medical debt is the most common financial burden in the United States

How does medical debt impact people?

Many take on a second job, reduce spending on essentials like food and clothes, borrow money from family and friends, and use or empty their entire life savings. All these can lead to putting off important medical care because they can’t afford it.

Who benefits from my donations?

People who qualify to have their debts paid have medical debt equal to at least 5% of their yearly income and are at two times the federal poverty level. It is not possible to give money to a certain person or group.

What can I  do?

By giving to our campaign, RIP Medical Debt will be able to purchase and get rid of $100 of debt for every $1 donated. With your coffee money, RIP can eliminate up to $500 of medical debt!!

Our goal is to raise $5,000 to help people across the United States. By giving to this campaign, your donation has 100x the impact!!


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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 incomes are less than four times the federal poverty level guideline or with medical debt representing at least 5% of gross income.

RIP buys medical debt at a steep discount

Your donations allow us to buy debt in bundled portfolios, millions of dollars at a time at a fraction of the original cost. On average, whatever you donate has 100x the impact.

Together we wipe out medical debt

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

Who We Help

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 4x the federal poverty level (varies by state, family size).
  • Debts are 5 percent or more of annual income.

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

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