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

NCT ID NCT04835012

Knowledge-focused Sponsor: University of California, Los Angeles Source: ClinicalTrials.gov ↗

What the study statuses mean

This study's is highlighted.

Recruitment status, easiest to join first

Recruiting now
This trial is taking on new participants right now.
Not yet recruiting
Registered, but not yet taking participants.
By invitation only
Not open to general applications. Only people the study team invites can take part.
Paused
Paused for now. It may or may not start again.
Ongoing
Running, but no longer taking on new participants.
Completed This study
The trial has finished. Results may not be published yet.
Stopped early
Stopped early, before it reached the end. That can be for many reasons, including safety.
Cancelled
Cancelled before anyone took part.

Expanded access (not trials)

Expanded access
Not a trial. This treatment can be requested outside a study, case by case, for people who qualify.
Expanded access (paused)
Not a trial. The treatment can normally be requested outside a study, but is unavailable right now.
Expanded access (ended)
Not a trial. The treatment could once be requested outside a study, but no longer can.
Approved
The treatment has been approved, so it is available normally rather than through this programme.

When the status isn't known

Details not published
The full record has not been published yet, so there is little to show here.
Status unknown
This status has not been confirmed recently, so it may be out of date.

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.

This is an AI summary of the original study and may miss details. Read our disclaimer.

Study facts

What this study's own registry entry says, in plain language.

Participants

15,008 people

The number who actually took part.

Started

Nov 2020

Finished

Dec 2021

Lead sponsor

Other sponsor

The registry's catch-all category, for sponsors it does not file as a company, a government agency, or a research network.

Who can take part

This study's own entry requirements. Only the study team can say for certain whether you qualify.

Who is studied

The study population is a probability sample drawn from population of individuals who owe medical debt held by FFAM, a debt collection agency.

Ages

18 years and older

Sex

Anyone

Healthy volunteers

Accepted

You do not need to have the condition being studied to take part.

Show the full entry requirements

Copied word for word from the study's registry entry, so the wording is the study team's rather than ours.

Inclusion Criteria: * Individuals ages 18 and over who owed medical debt to FFAM, a debt collections agency Exclusion Criteria: * Excluded individuals who owed less than $500 in medical debt to FFAM * Excluded individuals with missing social security numbers

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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.

Anxiety Depression Health care utilization Subjective wellbeing

Contacts and locations

Locations

  • Wesley Yin

    Los Angeles, California, 90095, United States

More trials for these conditions

Other studies related to the condition(s) this trial covers.