Undue Medical Debt
A nonprofit that buys and abolishes medical debt in bulk, with no application and no tax consequence to the patient.
Best for
Understanding what happens if your debt is bought and forgiven — and confirming that a relief letter you received is genuine.
Why Kave includes this
Kave lists this specifically because you cannot apply to it, and users need to know that. Debt is purchased in portfolios and relief arrives unannounced by letter. Including it with the limitation stated up front prevents people wasting days searching for an application form that does not exist.
- Expected cost
- Free to the patient. Relief arrives by letter with no repayment obligation.
- Insurance requirement
- None.
- Who qualifies
- Selected from purchased debt portfolios, generally households under four times the Federal Poverty Level or with debts above 5% of income. Individuals cannot apply.
- Where it is available
- Nationwide (United States)
- How you use it
- Online or by phone
- Languages
- English
Limitations Kave wants you to know about
- There is no application. Nobody can request that their specific debt be purchased.
- Only debts in a portfolio the organisation has bought can be relieved.
Verification
Compiled by Kave on July 1, 2026 and link-checked. Not yet independently verified. Kave assembled this from the organisation’s own published material and confirmed the links resolve. No reviewer has confirmed the eligibility details against the source, so check them on the official site before you rely on them.
- Compiled
- July 1, 2026 (28 days ago)
- Next scheduled review
- September 29, 2026
- Reviewed by
- Not yet reviewed
Sources used
- Undue Medical Debt — read July 1, 2026
Kave quality score
78/100
Kave lists resources scoring 80 or above that also clear all four mandatory gates.
- Affordability or financial value20/20
- Patient impact17.5/25
- Transparency13.5/15
- Accessibility9/15
- Ease of use5/10
- Geographic reach4.5/5
- Institutional credibility4.4/5
- Privacy and data practices4.2/5
Geographic reach is deliberately worth only five points, so a strong local resource is not pushed out by a weak national one. Read the methodology.