You might want to ask about patient assistance programs. They're the best-kept secret in the medical world. You'd have to include tax forms and proof of income with your application, but these documents are easy to find for most people and it's certainly worth doing a little digging if you need to. Some clinics/hospital systems will forgive up to 100% of your debt if you're low-income. Even if you're not, they will almost always accept a payment plan you can afford. Definitely check with your clinic or group to see if one of these programs is available to you. Good luck!