Shred the Debt - Nationwide — Undue Medical Debt

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A Nationwide Campaign to Eliminate Medical Debt

After raising funds to erase over $2.2 million in medical debt last year through the Sacramento and Chicago hubs, Global Shapers across the United States are now mobilizing further. With support from the Innovation Prize awarded by the Global Shapers Community, Shred the Debt has grown into a nationwide movement to abolish medical debt.

$1 has the power to erase $100 of medical debt.

Our Mission

Medical debt forces millions of Americans to choose between their health and financial stability. We believe no one should be burdened for seeking necessary care.

Through our partnership with Undue Medical Debt, participating Global Shaper hubs are raising funds to purchase and permanently abolish medical debt for families in their regions. Every dollar donated multiplies in impact and turns small contributions into life changing relief.

Why It Matters

Medical debt is one of the most common forms of financial hardship in the United States and disproportionately affects low income and marginalized communities.

When medical debt is erased, families regain stability, credit improves, and financial stress decreases. By donating to any participating hub, you are contributing to a unified national effort. When one hub succeeds, we all win.

Participating Hubs: Support your local hub and strengthen a national movement. Click the link here to view a list of hubs actively fundraising and donate to your local hub today!

Together, we are shredding medical debt and restoring financial freedom across America. Donate today to help us further our goal of abolishing $10,000,000 in medical debt!

Campaign Support Recipients

Nationwide

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.