Wiping out medical debt may boost mental health and access to care

NCT ID NCT04835012

First seen Jun 27, 2026 · Last updated Jun 27, 2026

Summary

This study looks at whether forgiving people's medical debt can improve their mental health, reduce anxiety and depression, and help them get the medical care they need. Over 15,000 adults who owed medical debt were randomly selected to have their debt forgiven by a charity. Researchers then surveyed them to compare outcomes between those who got debt relief and those who did not.

What this could mean

Our plain-language read of the trial. This is informational only — not medical advice or a prediction.

Active substance
medical debt forgiveness
What this could lead to
If successful, this could show that forgiving medical debt improves people's mental health and their ability to get needed medical care.
What could go wrong
This is an observational survey, not a treatment trial. Results may not apply to all types of debt or all populations, and the effect may be small.

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Conditions

The condition(s) this trial relates to.

anxiety anxiety disorder Depression depressive disorder Patient Acceptance of Health Care Psychological Well-Being

As listed by the trial registrant

The condition terms exactly as the trial's registrant entered them.

Contacts and locations

Locations

  • Wesley Yin

    Los Angeles, California, 90095, United States

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