Medical Debt Resolution
Also known as Undue Medical Debt
Medical Debt Resolution reported $62.5 million in revenue and $62.9 million in expenses for calendar year 2025. Of every $100 it spent, $90.85 went to program services, $6.30 to management and general costs and $2.85 to fundraising. Its largest source of revenue was contributions and grants: 97.8% of the total. Government grants made up 50.2%. The highest compensation it reported for one person was $427,474 (CEO & PRESIDENT). 15 people received more than $100,000 in reportable compensation. Revenue rose 521% between 2019 and 2025. Source: Form 990, 2025.
Where $100 of spending went
Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $63MFor context, the median across 3,614 covered human services charities: $88.27 programs, $11.52 management, $0.21 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2025 · Form 990, Part VIII · total revenue $63MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 90.9% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 6.3% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 2.8% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.03 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 97.8% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 50.2% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 0.0% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $427,474 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 0.68% | 1.18% |
| People paid over $100,000 Part VII, line 2 | 15 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 29.7 | 6.9 |
| Independent voting board members Part VI 1a–1b | 8 of 8 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2025 · Form 990, Part III · the three largest programs by expenseMedical Debt relief: the debt relief program model combines debt portfolio acquisition with specialized data analysis, technology infrastructure, compliance activities, beneficiary notification, and program administration. These activities are integral components of the Medical Debt relief program and are reflected within program service expenses. This program consists of acquisition and relief (I.e., cancellation) of medical debts belonging to people experiencing poverty or other hardships,who are defined as those earning 400% or less than the federal poverty level, or have a Medical Debt…
Community engagement, education, and public policy: this program consists of engaging in efforts to raise public awareness of the economic and social effects of Medical Debt, facilitate strategic partnerships to further community awareness and youth engagement, and inform and support public policy efforts to address systemic causes of Medical Debt
Technology infrastructure development: this program consists of developing systems to more efficiently acquire and abolish Medical Debt
Highest reported compensation
2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| CEO & PRESIDENT Officer, 40.0 hrs/week | $354,901 | $0 | $72,573 | $427,474 |
| COO Key employee, 40.0 hrs/week | $300,406 | $0 | $69,799 | $370,205 |
| VP PROVIDER PARTNERSHIPS Key employee, 40.0 hrs/week | $278,191 | $0 | $48,916 | $327,107 |
| VP INFO SYSTEMS Highest compensated employee, 40.0 hrs/week | $244,990 | $0 | $61,396 | $306,386 |
| VP GOVERNMENT INITIATIVES Key employee, 40.0 hrs/week | $205,496 | $0 | $59,050 | $264,546 |
| VP PHILANTHROPY Key employee, 40.0 hrs/week | $232,058 | $0 | $27,993 | $260,051 |
| GENERAL COUNSEL Highest compensated employee, 40.0 hrs/week | $200,225 | $0 | $52,246 | $252,471 |
| VP FINANCE & ADMINISTRATION Officer, 40.0 hrs/week | $195,941 | $0 | $50,953 | $246,894 |
15 people received more than $100,000 in reportable compensation from Medical Debt Resolution (Part VII, line 2). Compensation of current officers, directors and key employees totaled $1.9M (Part IX, line 5).
7 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b8 · 8 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4Yes
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 553
- Volunteers Part I, line 614
Largest outside contractors
2025 · Form 990, Part VII, Section B · businesses only| LOBCOM INC Printing & mailing services | $6,104,572 |
| NIXON PEABODY LLP Legal services | $442,073 |
| APPTION CORPORATION Software development | $340,470 |
| IMMORTAL STRATEGIES LLC Consulting services | $300,000 |
| PERRY UNDEM Research and survey services | $205,890 |
Individuals listed as contractors are left out. 11 contractors were paid more than $100,000 in all.
Private foundation grants it received
57 private foundations reported grants to Medical Debt Resolution totaling $1.2M on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Medical Debt Resolution's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Medical Debt Resolution, you can publish a response that is linked from this page.
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Of every $100 Medical Debt Resolution spent in 2025, $90.85 went to programs. The full breakdown, from its IRS Form 990:
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Similar-sized charities in this cause
- The Village for Families and ChildrenHartford, CT · revenue $62M · programs 86.2% · FY2025
- Sbcs CorporationChula Vista, CA · revenue $63M · programs 85.4% · FY2025
- Southwest Boston Senior ServicesJamaica Plain, MA · revenue $62M · programs 96.5% · FY2025
- Young Men's Christian Association of South Hampton RoadsChesapeake, VA · revenue $63M · programs 85.2% · 2025
- Brethren VillageLititz, PA · revenue $62M · programs 88.7% · FY2025
All human services charities · Largest charities in New York
Questions people ask
How much of Medical Debt Resolution's spending goes to programs?
In calendar year 2025, Medical Debt Resolution reported that 90.9% of its $62.9 million in expenses went to program services, 6.3% to management and general and 2.8% to fundraising (Form 990, Part IX).
How much does Medical Debt Resolution pay its top executive?
The largest total compensation Medical Debt Resolution reported for one person in calendar year 2025 was $427,474, for the role of CEO & PRESIDENT (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Medical Debt Resolution get its money?
Of $62.5 million in revenue in calendar year 2025, 97.8% came from contributions and grants (including 50.2% from government grants) and 0.0% from program service revenue (Form 990, Part VIII).
Is Medical Debt Resolution a registered charity?
The IRS lists EIN 47-1442997 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2025: Form 990 for calendar year 2025, object 202622129349301127 · read the filing
- 2024: Form 990 for calendar year 2024, object 202542389349301539 · read the filing
- 2023: Form 990 for calendar year 2023, object 202412709349301531 · read the filing
- 2022: Form 990 for calendar year 2022, object 202332069349301283 · read the filing
- 2021: Form 990 for calendar year 2021, object 202242369349300629 · read the filing
- 2020: Form 990 for calendar year 2020, object 202102579349301320 · read the filing
- 2019: Form 990 for calendar year 2019, object 202042699349300029 · read the filing
All filings for EIN 47-1442997: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.