Adjusts payments based on income and family size
Forgiveness after 10 years of qualifying payments
Simplify repayment into a single loan with fixed interest
While federal loans are fixed, we help negotiate for private lenders
Medical debt is one of the leading causes of bankruptcy in the U.S. Even a single hospital stay can cost thousands of dollars—and if you can’t pay, you could face collections, lawsuits, or credit damage.
down to a fraction of what you owe
and prevent further legal action
into one affordable monthly payment
We work directly with hospitals, healthcare providers, and collection agencies to negotiate lump-sum settlements, often reducing your balance by 40% to 60%.
Struggling with multiple bills? We help you combine all your medical debts into a single, manageable payment—no more juggling deadlines or multiple creditors.
If your medical debt has gone to collections, we’ll step in to halt collection efforts, protect your rights, and work toward a reduced payoff amount.
If you have at least $15,000 in total Medical Debt and are struggling to make payments, Thrive Now Financial will work with your creditors to help you settle your medical debts for less than what you owe.