Undue Medical Debt

Legal name: Medical Debt Resolution Inc

Nonprofit profile at a glance

EIN
471442997
IRS 990 coverage
2016–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025, Form 990-EZ 2016
Location
Long Island City, NY, USA
Phone
8446373328
Rating
92
Verdict
STRONG
Rating confidence
Standard
Sector
Personal Social Services

Official website

Reported finances

Revenue
$62,529,512
Expenses
$62,916,819
Assets
$169,891,115
Liabilities
$14,362,315

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

20 people listed

Executive titles in this filing

  • ALLISON SESSO (CEO & PRESIDENT)

Highest reported compensation

  • ALLISON SESSO (CEO & PRESIDENT): $427,474 total reported compensation
  • RAVNEETA CONSUL (COO): $370,205 total reported compensation
  • RUTH LANDE (VP PROVIDER PARTNERSHIPS): $327,107 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To strengthen communities by erasing financially burdensome medical debt.

What it reported doing in 2025

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.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and fundraising costs are high for each dollar raised.

Rating breakdown

  • Financial Efficiency: 88
  • Transparency & Controls: 100
  • Accountability: 100
  • Sustainability: 37
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 91.6%; rating input score 92
  • Program expense ratio: 90.9%; rating input score 91
  • Fundraising efficiency: $34.13 raised per $1 spent on fundraising; rating input score 58; 58th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
  • Pay-setting controls: 6 of 6 controls in place; rating input score 100
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -0.6%; rating input score 14; 14th percentile among comparable filings
  • Total-asset coverage ratio: 2.7; rating input score 63; 63rd percentile among comparable filings
  • Liabilities to assets ratio: 0.08; rating input score 77; 77th percentile among comparable filings
  • Officer compensation ratio: 4.8%; rating input score 22; 22nd percentile among comparable filings

Growth

  • Program expense growth: 32.2% per year; rating input score 100; 95th percentile among comparable filings
  • Revenue growth: 25.7% per year; rating input score 100; 95th percentile among comparable filings
  • Asset growth: 31.4% per year; rating input score 100; 97th percentile among comparable filings

Details

  • What they do: 4 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 91.6% of revenue deployed · 90.9% of spending went to programs
  • Governance: 8 of 8 board members independent · 9 of 9 filing controls reported
  • Programs: 4 filed program accomplishments · $57.2M in reported program spending
  • Leadership: top reported pay $427K · 20 people listed · 6 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $7.4M reported
  • Consistency: 38 of 38 current checks pass
  • Schedules: 8 filed schedules · includes major donors and executive pay
  • Filing history: 10 filing years from 2016 to 2025
  • Contacts: How to reach this organization
  • Money network: 11 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • High — Sustainability: Operating margin scored 14/100.
  • Review — Financial Efficiency: Fundraising efficiency scored 58/100.
  • High — Sustainability: Officer compensation ratio scored 22/100.
  • High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.