- Revenue 2025
- $62,529,512
- Expenses 2025
- $62,916,819
Program services were 90.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- P50
- Classification
- 1000
- Street
- 28-07 JACKSON AVE 5TH FL
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2025
Mission
THE MISSION OF THE ORGANIZATION IS TO END MEDICAL DEBT. (CONTINUED ON SCHEDULE O)
Activities or mission (Part I)
TO END MEDICAL DEBT.
-
MEDICAL 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 MORE THAN 5% OF ESTIMATED ANNUAL HOUSEHOLD GROSS INCOME. IN 2025, UNDUE MEDICAL DEBT HELPED OVER 6.5 MILLION PEOPLE AND RELIEVED MORE THAN $9.9 BILLION OF MEDICAL DEBT.
Expenses $54,875,471
-
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.
Expenses $1,110,784
-
TECHNOLOGY INFRASTRUCTURE DEVELOPMENT: THIS PROGRAM CONSISTS OF DEVELOPING SYSTEMS TO MORE EFFICIENTLY ACQUIRE AND ABOLISH MEDICAL DEBT.
Expenses $860,625
-
MEDICAL DEBT RESEARCH AND STORYTELLING: THIS PROGRAM CONSISTS OF SUPPORTING RESEARCH AND SURVEY ACTIVITIES STUDYING THE ECONOMIC AND SOCIAL EFFECTS OF MEDICAL DEBT, AND MEDICAL DEBT RELIEF, AND HIGHLIGHTING PERSONAL STORIES AND COMMON THEMES FROM RECIPIENTS OF THE ORGANIZATION'S MEDICAL DEBT RELIEF EFFORTS. THIS IS DONE IN AN EFFORT TO REMOVE THE STIGMA ASSOCIATED WITH, AND BETTER UNDERSTAND THE IMPACTS OF, MEDICAL DEBT.
Expenses $316,661
As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Elizabeth MarincolaELIZABETH MARINCOLA
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Jeff SmedsrudJEFF SMEDSRUD
SECRETARY (AS OF 12/2025)
- Total calculated
- $0
- Hours/week
- 1
-
Jose PenabadJOSE PENABAD
VICE CHAIR
- Total calculated
- $0
- Hours/week
- 1
-
Michele MasucciMICHELE MASUCCI
BOARD CHAIR
- Total calculated
- $0
- Hours/week
- 1
-
Ted SannTED SANN
SECRETARY (THRU 12/2025)
- Total calculated
- $0
- Hours/week
- 1
-
Dr Oxiris BarbotDR OXIRIS BARBOT
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Dr Ramanathan RajuDR RAMANATHAN RAJU
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Jonathan LindseyJONATHAN LINDSEY
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Jonathan WiggsJONATHAN WIGGS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Allison SessoALLISON SESSO
CEO & PRESIDENT
- Total calculated
- $427,474
- From this org
- $354,901
- From related orgs
- $0
- Other
- $72,573
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $354,901
- Bonus
- $0
- Other
- $0
- Deferred
- $12,699
- Nontaxable benefits
- $59,874
- Filer's total
- $427,474
-
Jana KnauerovaJANA KNAUEROVA
VP FINANCE & ADMINISTRATION
- Total calculated
- $246,894
- From this org
- $195,941
- From related orgs
- $0
- Other
- $50,953
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $195,941
- Bonus
- $0
- Other
- $0
- Deferred
- $7,175
- Nontaxable benefits
- $43,778
- Filer's total
- $246,894
-
Courtney StoryCOURTNEY STORY
VP GOVERNMENT INITIATIVES
- Total calculated
- $264,546
- From this org
- $205,496
- From related orgs
- $0
- Other
- $59,050
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $205,496
- Bonus
- $0
- Other
- $0
- Deferred
- $7,483
- Nontaxable benefits
- $51,567
- Filer's total
- $264,546
-
Marisa ClementeMARISA CLEMENTE
VP PHILANTHROPY
- Total calculated
- $260,051
- From this org
- $232,058
- From related orgs
- $0
- Other
- $27,993
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $232,058
- Bonus
- $0
- Other
- $0
- Deferred
- $8,225
- Nontaxable benefits
- $19,768
- Filer's total
- $260,051
-
Ravneeta ConsulRAVNEETA CONSUL
COO
- Total calculated
- $370,205
- From this org
- $300,406
- From related orgs
- $0
- Other
- $69,799
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $300,406
- Bonus
- $0
- Other
- $0
- Deferred
- $10,763
- Nontaxable benefits
- $59,036
- Filer's total
- $370,205
-
Ruth LandeRUTH LANDE
VP PROVIDER PARTNERSHIPS
- Total calculated
- $327,107
- From this org
- $278,191
- From related orgs
- $0
- Other
- $48,916
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $278,191
- Bonus
- $0
- Other
- $0
- Deferred
- $9,888
- Nontaxable benefits
- $39,028
- Filer's total
- $327,107
-
Beth ZindaBETH ZINDA
AVP PROVIDER PARTNERSHIPS
- Total calculated
- $187,293
- From this org
- $153,738
- From related orgs
- $0
- Other
- $33,555
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $153,738
- Bonus
- $0
- Other
- $0
- Deferred
- $5,381
- Nontaxable benefits
- $28,174
- Filer's total
- $187,293
-
Daniel LempertDANIEL LEMPERT
VP MARKETING & COMMUNICATIONS
- Total calculated
- $191,996
- From this org
- $166,989
- From related orgs
- $0
- Other
- $25,007
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $166,989
- Bonus
- $0
- Other
- $0
- Deferred
- $5,880
- Nontaxable benefits
- $19,127
- Filer's total
- $191,996
-
David ReynoldsDAVID REYNOLDS
VP INFO SYSTEMS
- Total calculated
- $306,386
- From this org
- $244,990
- From related orgs
- $0
- Other
- $61,396
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $244,990
- Bonus
- $0
- Other
- $0
- Deferred
- $7,350
- Nontaxable benefits
- $54,046
- Filer's total
- $306,386
-
Eva StahlEVA STAHL
VP POLICY EDUCATION & RESEARCH
- Total calculated
- $212,175
- From this org
- $205,000
- From related orgs
- $0
- Other
- $7,175
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $205,000
- Bonus
- $0
- Other
- $0
- Deferred
- $7,175
- Nontaxable benefits
- $0
- Filer's total
- $212,175
-
Michael DerbesMICHAEL DERBES
GENERAL COUNSEL
- Total calculated
- $252,471
- From this org
- $200,225
- From related orgs
- $0
- Other
- $52,246
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $200,225
- Bonus
- $0
- Other
- $0
- Deferred
- $7,088
- Nontaxable benefits
- $45,158
- Filer's total
- $252,471
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2025
- Revenue
- $62,529,512
- Expenses
- $62,916,819
- Contributions
- $61,149,489
- Grants paid
- $0
-
2023
- Revenue
- $28,294,801
- Expenses
- $22,656,788
- Contributions
- $26,290,875
- Grants paid
- $0
-
2022
- Revenue
- $42,872,028
- Expenses
- $11,679,627
- Contributions
- $42,362,810
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $17,143,600
- Expenses
- $18,437,272
- Assets (EOY)
- $56,504,785
-
2020 · 990
- Revenue
- $66,172,951
- Expenses
- $13,034,524
- Assets (EOY)
- $57,765,850
-
2019 · 990
- Revenue
- $10,067,024
- Expenses
- $7,084,794
- Assets (EOY)
- $4,572,339
-
2018 · 990
- Revenue
- $5,460,587
- Expenses
- $5,244,935
- Assets (EOY)
- $1,577,897
-
2017 · 990
- Revenue
- $2,163,479
- Expenses
- $1,169,890
- Assets (EOY)
- $1,121,826
-
2016 · 990
- Revenue
- $259,533
- Expenses
- $172,771
- Assets (EOY)
- $99,977
-
2016 · 990-EZ
- Revenue
- $195,694
- Expenses
- $147,931
- Assets (EOY)
- $57,945
-
2015 · 990-EZ
- Revenue
- $11,416
- Expenses
- $23,468
- Assets (EOY)
- $1,922
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
-
FIDELITY INVESTMENTS CHARITABLE GIFT FUND
$50,801,678
2024 For grant recipient's exempt purposes
-
FIDELITY INVESTMENTS CHARITABLE GIFT FUND
$30,671,260
2022 For grant recipient's exempt purposes
-
DONOR ADVISED CHARITABLE GIVING
$10,925,590
2023 HUMAN SERVICES
-
DONOR ADVISED CHARITABLE GIVING
$5,592,835
2024 HUMAN SERVICES
-
FIDELITY INVESTMENTS CHARITABLE GIFT FUND
$1,434,093
2023 For grant recipient's exempt purposes
-
$1,352,450
2023 RELIGION
-
$1,087,250
2024 HUMAN SERVICE
-
2023 FOR RECIPIENT'S EXEMPT PURPOSE
-
2023 GENERAL SUPPORT
-
2024 IN SUPPORT OF SANTA BARBARA FOUNDATION, FOR GENERAL SUPPORT
The 10 largest by cash amount. The API serves every itemized grant.
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.