CARE, NOT COLLECTIONS

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Care, Not Collections

We are Students for a National Health Program at Indiana University. Composed largely of medical students and pre-health undergraduates, we aim to educate on and tackle the health inequities pervasive to our healthcare system—including medical debt. Medical debt can cause Americans to delay necessary care and worsen already stressed social determinants of health. With Hoosier residents holding billions of dollars worth of medical debt, as future healthcare professionals in Indiana, we see a moral duty to our fellow citizens burdened with this wicked concept of “medical debt.” Help us raise $6,000 by April 1st, 2026 to relieve ~$600,000 of medical debt for Hoosiers across the great state of Indiana!

Campaign Support Recipients

Indiana

Campaign donations will show on website within 1 business day of gift submission.

How Undue Works

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

Who We Help

Debt Resources

You make a donation
- We use data analytics to pinpoint the debt of those most in need: households that earn less than 4x the federal poverty level (varies by state, family size) or whose debts are 5% or more of annual income.
Undue buys medical debt at a steep discount
- We buy debt in bundles, millions of dollars at a time at a fraction of the original cost. This means your donation relieves about 100x its value in medical debt.
Together we wipe out medical debt
- People across the country receive letters that their debt has been erased. They have no tax consequences or penalties to consider. Just like that, they’re free of medical debt.

Frequently Asked Questions

Is my donation tax deductible?

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

Who qualifies for medical debt relief?

We provide debt relief based on financial need. To qualify, an individual must either:

Earn at or below 400% of the federal poverty level
Have medical debt that exceeds 5% of their income

These criteria are built into our system and apply to all debt we purchase. We do not collect or require information about immigration status. We also cannot target relief based on medical condition, age, or other personal characteristics.

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

Do recipients of debt relief have any adverse consequences?

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

Medical debt relief is a gift from a detached and disinterested third party (Undue) 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.

Can donors see whose debt is relieved by their donation?

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

Can I apply for debt relief?

Undue Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, Undue cannot abolish medical debt for specific individuals. We acquire large, bundled portfolios of debt to help thousands of people at once and we can only erase debts that providers like hospitals and physicians are willing to sell to us.

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.

About Undue

Undue Medical Debt is a national 501(c)(3) nonprofit which leverages donations to buy large, bundled medical debts at steep discounts, providing immediate, no strings attached relief to financially vulnerable families. On average one dollar donated erases $100 of medical debt. We also help people with medical debt share their stories, which informs our approach to fixing the healthcare system, whether by policy solutions or collaborating with likeminded partners.