Medical Debt Negotiation Calculator
Estimate potential medical debt settlement amounts based on your situation. See how much you could save through negotiation.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Estimated Settlement
55%
How to Use This Calculator
- Enter your total medical debt balance.
- Input the number of months the debt has been overdue — older debt is typically negotiable to lower amounts.
- Select whether you can pay in a lump sum — lump-sum offers typically get deeper discounts than payment plans.
- Select your approximate credit score range, which affects your negotiation leverage.
- Review Estimated Settlement and Savings from Full Price, then use Monthly Payment Plan as a starting point when proposing a payment plan to the provider or collections agency.
How the result changes with Months Overdue
| Months Overdue | Estimated Settlement |
|---|---|
| 6 | 55% |
| 21 | 40% |
| 39 | 40% |
| 54 | 40% |
What each input means
- Total Medical Debt
- Total outstanding medical bills.
- Months Overdue
- How many months the debt has been unpaid.
- Can Pay Lump Sum?
- Lump sum offers typically get deeper discounts than payment plans.
- Credit Score Range
- Your approximate credit score range affects negotiation leverage.
What each result means
- Monthly Payment Plan
- Recommended monthly payment if paying over 12 months.
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