No one chooses medical debt. Many Americans who fall ill have no choice but to rack up debt in order to stay healthy or, in some cases, stay alive. For the underinsured and uninsured, incurring debt is inevitable. In a June 2022 survey, 40% percent of adults said they were burdened with medical debt. But progress on this issue is already underway. A recent report found that medical debt has fallen by almost 18% since 2020. This change is no coincidence, rather it points to the real impact that relief programs ... have had on everyday Americans. One such program comes out of my city of Toledo, Ohio. In November, Toledo City Council passed a community-scale medical debt relief initiative in partnership with Lucas County. We partnered with the national charity RIP Medical Debt and devoted $800,000 of Toledo's ARPA funds (and $800,000 of the matched commitment from Lucas county) to medical debt relief. The way it works is simple: RIP Medical Debt purchases debt for pennies on the dollar and then relieves the debt. Our groundbreaking program will wipe out as much as $240 million in medical debt for as many as 41,000 people at a cost of only $1.6 million. There are no administrative hurdles for community members to overcome. Instead, relief recipients are simply sent a letter informing them their debt has been canceled. Two-thirds of Americans (67%) would support the Toledo model for medical debt relief being adopted in their community, including strong majorities of Democrats, Republicans, and Independents.