Problem Statement Americans today are saddled with a staggering $140 billion in medical debt.   This debt, concentrated in poor and Southern communities, is the primary source of debt collections - more than collections from credit cards, utilities, auto loans, and other sources combined.  Medical debt has systemic effects on the country – exacerbating wealth inequality and preventing economic growth drivers like home buying.  It also has deeply profound impacts on those who experience it directly  – contributing to stress, increasing the risk of health issues such as high blood pressure, and impacting access to credit. About Doll