December 1, 2023

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RIP Medical Debt: How a Nonprofit Organization is Helping Americans Escape Medical Debt


Medical debt is a major problem faced by millions of Americans. According to a survey conducted by the Kaiser Family Foundation, 26% of Americans have problems paying their medical bills. 11% of Americans skip doses of medicine or do not fill out a prescription due to financial constraints. Medical debt has been a growing problem in the US, and it has been a cause of great concern for many people.


Medical bills can be complex and confusing, and often, people end up with an unpaid medical bill which can have serious consequences. Medical debt can lead to financial problems, which can result in credit score being affected, legal action being taken, and even bankruptcy. It is essential to understand how to deal with medical bills and navigate the medical billing system to avoid getting into debt.

RIP Medical Debt is a nonprofit organization that has been helping people in America escape medical debt. The organization has been gaining attention in recent years, and this article explores how it works and what it offers.

What is RIP Medical Debt?

RIP Medical Debt is a nonprofit organization founded in 2014 by Jerry Ashton, Craig Antico, and Robert Goff. It was established to help Americans who are burdened with medical debt. Its goal is to purchase medical debt from health care providers and debt collectors, and then forgive the debt.

The organization uses donations from individuals, philanthropists, foundations, and companies to buy medical debt in bulk. RIP Medical Debt is unique as it purchases debt for just a fraction of the amount owed, and this enables the organization to erase the debt fully. By doing so, it can positively impact people who are struggling with medical debt and provide them relief.

How Does RIP Medical Debt Work?

RIP Medical Debt purchases medical debt for pennies on the dollar. For example, if someone has medical debt of $10,000, RIP Medical Debt may purchase the debt for only $100. The debt is then forgiven, and the person is no longer responsible for the debt.

The organization receives donations from various sources, and these donations are used to buy medical debt. The donations are tax-deductible, and the organization uses every donated dollar to purchase debt. This means that 100% of donations go towards helping people in need.

Not all medical debts are eligible for purchase, and there are specific criteria that must be met. RIP Medical Debt focuses on medical debts that are in collections and it also prioritizes debts of those who are low-income, those who are insolvent or doing bankruptcy. The organization also focuses on debts of people living below the poverty line, those who are veterans and medical debt for cancer patients.

RIP Medical Debt uses data analytics to identify the debts that meet its criteria and are most in need of being forgiven. The organization requires that the debt does not belong to an individual or is not associated with litigation. Additionally, they do not purchase medical debt related to substance abuse treatment.

Who is Eligible to Receive Assistance from RIP Medical Debt?

Individuals who are living below 2x the poverty level or have a household income of less than 200% of the Federal Poverty Level, as measured by the Supplemental Poverty Measure, are eligible for assistance from RIP Medical Debt. These individuals must provide proof of income eligibility to receive assistance.

The program also prioritizes medical debts of those who face financial hardship due to expenses incurred after a serious illness, injury, and medical expenses that are higher than their annual income. RIP Medical Debts do not provide direct payments to individuals, but the debt forgiveness is made to the healthcare provider or debt collector that holds the debt.

How to Apply for Assistance from RIP Medical Debt?

Getting assistance from RIP Medical Debt is very easy and accessible. People who are struggling with medical debt can signup through their website by filling in basic information such as their name, address, and phone number. Individuals who qualify for RIP Medical Debt will receive a letter from the organization stating that their medical debt has been fully forgiven.


Medical debt is one of the biggest problems faced by Americans, but organizations like RIP Medical Debt are offering relief. The organization has helped many Americans to escape medical debt and has created financial freedom for thousands of people across the country.

RIP Medical Debt provides an avenue for those who are struggling with medical debt of getting the relief they need without having to navigate complicated legal processes. The organization helps remove the financial burden on people who are facing uncertainty and stress.

American’s healthcare system needs reform, but organizations like RIP Medical Debt show how nonprofits can help change the narrative. RIP Medical Debt helps individuals gain back their financial footing and helps bring justice and relief for those unfairly burdened with medical debt.


Q. Is RIP Medical Debt available in all states?

A. Yes, RIP Medical Debt is available in all 50 states in the US.

Q. Is there an application fee for applying for assistance from RIP Medical Debt?

A. No, there is no application fee for applying for assistance from RIP Medical Debt, and the organization does not charge any fees.

Q. How does RIP Medical Debt decide which medical debt to purchase?

A. RIP Medical Debt uses data analytics to identify debts that meet its criteria, which is medical debts that are in collections and are of individuals with low income, and those who are in financial distress.

Q. Can I make donations to RIP Medical Debt?

A. Yes, the organization accepts donations through their website, and all donations are tax-deductible.

Q. Does RIP Medical Debt provide assistance for medical bills that are yet to go to collections?

A. No, they focus on debts that are already in collections and have been sold to collections agencies. If the debt has not been sold to collections agencies, RIP Medical Debt does not offer assistance.

Q. How long does it take to receive debt forgiveness from RIP Medical Debt after application?

A. Once an individual is approved, the process of debt forgiveness takes around 45-60 days.

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Article Summary:

Non-profit organisation RIP Medical Debt is helping Americans escape medical debt. The organisation, which uses donations to purchase bulk medical debt for pennies on the dollar and forgive it entirely, focuses on debts in collections and those of low-income people, cancer patients and military veterans. Eligible individuals who apply to RIP Medical Debt and are approved will receive a letter informing them that their medical debt has been fully forgiven. Applications are open to those living below 200% of the federal poverty level, or with incomes less than twice that amount, and facing financial hardship due to expenses incurred after a serious illness or injury.

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