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15 million Americans have medical debt crushing their credit scores but that's about to end

This is great news for the millions of us with outstanding medical bills.

man and woman doing financial paperwork

Millions of American families are trying to pay off medical bills that put them into debt.

A new proposed rule from the Biden administration could spell some relief for people with outstanding medical bills.

According to data collected by the Consumer Financial Protection Bureau (CFPB), 15 million Americans are carrying $49 billion in medical debt that shows up on their credit report, potentially having a negative impact on their credit score. A new rule banning medical debt from credit reports would change that.


In the U.S., people's ability to get approved for a car loan or a mortgage to purchase a house depends heavily on their credit score or FICO score. People with a strong credit history, who make payments on time and don't carry too much debt, will usually have a good credit score and an easier time being approved for loans with the best interest rates. A low credit score makes getting a loan more difficult or more expensive.

Unfortunately, circumstances out of people's control, like medical care that puts them thousands of dollars in debt, can negatively impact their credit score.

"Medical debt makes it more difficult for millions of Americans to be approved for a car loan, a home loan or small business loan, all of which in turn makes it more difficult to just get by, much less get ahead. And that is simply not fair," Vice President Kamala Harris told reporters via teleconference.

CFPB Director Rohit Chopra also shared that having medical debt is not a fair indicator of someone's true credit habits.

"Medical debt on a consumer credit report is a very different type of debt than a mortgage, an auto loan, or a credit card," Chopra explained. "Sometimes, as is the case with a visit to the emergency room, the debt is taken on unexpectedly and in a time of crisis. Medical bills are also frequently subject to coding errors, charity care mistakes, or complexities with insurance. A decade ago, the CFPB found that medical debts were overly penalizing consumer credit scores, and we have consistently found that medical billing data on a credit report is less predictive of future repayment than other debts."

Chopra also called out the predatory practices that have influenced credit reporting systems when it comes to medical debt, providing an unfair disadvantage to consumers.

"Some have seized on medical debts as a major moneymaking enterprise," he said. "These entities purchase medical debt, sometimes for pennies on the dollar, and they can cash out big by getting consumers to pay up on those debts. And one of the easiest ways they can do so is by threatening to park that medical debt on the credit report, where it might impede a consumer’s ability to get approved for a loan. In this way, the credit reporting system more closely resembles a weapon for debt collectors rather than a tool for lenders to assess someone’s likelihood to repay a loan."

Chopra also pointed out that the three big credit reporting agencies——Equifax, Experian, and TransUnion—voluntarily removed some medical debt from credit reports, only certain kinds. CFPB research found that although the number of Americans with medical debts on their credit report had decreased, the numbers were still substantial and disproportionately impact low-income Americans. Additionally, the average medical debt on credit reports had increased from $2,000 to over $3,100.

Vice President Harris said that this change would result in millions of Americans seeing a 20-point increase in their credit score on average, allowing for 22,000 more approved mortgages to buy a home. She also called on states, cities and hospitals to join the Biden administration in forgiving medical debt.

According to ABC News, the rule has been in the works since September and could go into effect early next year.


Family

Technology expert shares the one message that can get teens to rethink their screentime

“Social media is free because you pay for it with your time.”

via Dino Ambrosi (used with permission)

Dino Ambrosi speaks at a school assembly.

In a 2023 TEDx Talk at Laguna Blanca School, Dino Ambrosi made a startling revelation that perfectly underlines the big question of the smartphone era: What is my time worth? Ambrosi is the founder of Project Reboot and an expert at guiding teens and young adults to develop more empowering relationships with technology.

Assuming the average person now lives to 90, after calculating the average time they spend sleeping, going to school, working, cooking, eating, doing chores, sleeping, and taking care of personal hygiene, today’s 18-year-olds have only 334 months of their adult lives to themselves.

"How you spend this time will determine the quality of your life,” Ambrosi says. However, given the tech habits of today’s young people, most of those months will be spent staring at screens, leaving them with just 32 months to leave their mark on the world. "Today, the average 18-year-old in the United States is on pace to spend 93% of their remaining free time looking at a screen,” Ambrosi says.



dino ambrosi, teens and technology, smartphone addictionAn 18-year-olds remaining time, in months. via TEDx

The idea that an entire generation will spend most of their free time in front of screens is chilling. However, the message has a silver lining. Sharing this information with young people can immediately impact how they spend their time.

How to get teens to reduce their screentime

Ambrosi says his work with Project Reboot through on-campus initiatives, school assemblies, and parent workshops has taught him that teens are more concerned about time wasted on their phones than the damage it may do to their mental health. Knowing the topic that resonates can open the door for an effective dialogue about a topic that’s hard for many young people to discuss. When teens realize they are giving their entire lives away for free, they are more apt to reconsider their relationship with smartphones.

“I actually don't get through to a lot of teens, as well as when I help them realize the value of their time and then highlight the fact that that time is being stolen from them,” Ambrosi told Upworthy.

A Common Sense Media study shows that the average 13 to 18-year-old, as of 2021, spent an average of 8 hours and 39 minutes a day on entertainment screentime.

“It’s important to get them to view time as their most valuable resource that they can use to invest in themselves or enjoy life and tick the boxes on their bucket list. I really want them to see that that's something they should take control of and prioritize because we're all under the impression that social media is free, but it's actually not free. We just pay for it with our time.”

dino ambrosi, project reboot, teens smartphonesDino AMbrosi speaks at Berkeley.via Dino Ambrosi (used with permission)

Ambrosi believes that young people are less likely to hand their time to tech companies for free when they understand its value. “I find that kids really respond to that message because nobody wants to feel manipulated, right? And giving them that sense of being wronged, which I think they have been, by tech companies that are off operating on business models that are not aligned with their well-being, is important.”

He also believes parents should be sympathetic and nonjudgmental when talking to young people about screentime because it’s a struggle that just about everyone faces and feels shame about. A little understanding will prevent them from shutting down the conversation altogether.

- YouTubewww.youtube.com

How to reduce my screentime

Ambrosi has some suggestions to help people reduce their screentime.

The ClearSpace app

ClearSpace forces you to take a breathing delay before using a distracting app. It also asks you to set a time limit and allows you to set a number of visits to the site per day. If you eclipse the number of visits, it sends a text to a friend saying you exceeded your budget. This can help people be accountable for one another’s screentime goals.

Don’t sleep with your phone

Ambrosi says to charge your phone far away from your bedside stand when you sleep and use an alarm clock to wake up. If you do have an alarm clock on your phone, set up an automation so that as soon as you turn off the alarm, it opens up an app like Flora or Forest and starts an hour-long timer that incentivizes you to be off your phone for the first hour of the day.

“In my experience, if you can stay off screens for the last hour and the first hour of the day, the other 22 hours get a lot easier because you get the quality rest and sleep that you need to wake up fully charged, and now you're more capable of being intentional because you are at your best," Ambrosi told Upworty.

Keep apps in one place

Ambrosi says to keep all of your social apps and logins on one device. “I try to designate a specific use for each device as much as possible,” he told Upworthy. “I try to keep all my social media time and all my entertainment on my phone as opposed to my computer because I want my computer to be a tool for work.”

Even though there are significant challenges ahead for young people as they try to navigate a screen-based world while keeping them at a healthy distance, Ambrosi is optimistic about the future.

“I'm really optimistic because I have seen in the last year, in particular, that the receptiveness of student audiences has increased by almost an order of magnitude. Kids are waking up to the fact that this is the problem. They want to have this conversation,” he told Upworthy. “Some clubs are starting to address this problem at several schools right now; from the talks I've given this semester alone, kids want to be involved in this conversation. They're creating phone-free spaces on college and high school campuses by their own accord. I just think we have a huge potential to leverage this moment to move things in the right direction.”

For more information on Ambrosi’s programs, visit ProjectReboot.School.

TikTok creator educates himself on female anatomy.

It’s no secret that some people born without female anatomy may be a bit unfamiliar with what goes into having a uterus. Sometimes eyes are rolled about the uninformed, but when someone goes out of their way to educate themselves so they can be a better partner in the future, it's definitely worth celebrating. TikTok creator Darius Covington seeks out information that is otherwise kept to the owners of uteruses and he does it in the most respectful and genuine way. It’s honestly quite refreshing.

Covington asks his followers (which are mostly women) things he should learn about the female experience. His followers do not disappoint. He’s gotten requests about researching a speculum to the correct way to insert an IUD. Covington has searched it all and even tried drinking from a menstrual cup that he blindly picked up at the store. His reaction to reading the directions after placing the cup to his lips will have you in stitches.


@thedariuscovington

#answer to @spidermark790 Just a self reminder as I complain about my allergies 😭😭😂 #fyp #foryoupage #funny #fail #failarmy #trending #relabtable

The best part about Covington’s videos is how dedicated he is to getting the information correct and making sure to acknowledge his commenters' requests and explanations. When learning about the process a body goes through to give birth, he bewilderingly looks at the camera and says, “You choose to go through this process more than once, sometimes more than twice.” It's the honest reactions and genuine curiosity that keep people coming back.

@thedariuscovington

TikTok · Darius Covington


While the brave creator is not even close to having children of his own, it’s clear he is training to be a good father to daughters and a good partner to his future wife. Keep educating yourself Darius! We love to see it.

Nolan Reid / TikTok

There's an old joke slash meme that goes something like this:

"Guys literally only want one thing and it's disgusting."

Its used to imply, obviously, that men are shallow and crude creatures.

TikTok creator and simple-life advocate Nolan Reid, however, has a different idea of what men really want.



Nolan recently made a video about "Little things in life that make men happy."

The hilarious list includes:

  • A fridge full of beer.
  • Drinking said beer in the garage. With your dog. And a good buddy.
  • Finding a cool stick.
  • Kicking a rock.
  • Staring at water.
  • Dropping rocks into said water.

As a fellow man, I would say: Yeah. That pretty much covers it.

It really doesn't take much! Watch Nolan's full video to see the rest, and just appreciate how much joy and satisfaction he gets from these simple thing.

People loved Nolan's list – so much so that they began adding their own ideas of "simple things men love."

The video racked up hundreds of thousands of views across TikTok and Instagram.

One commenter wrote, "He just described my whole personality." Another added, "This guy gets it."

Others chimed in with their own additions to the list, like staring at a fire for hours. Or just peace and quiet.

But most of the nearly 200 comments were just people chiming in to say one thing:

"Hell yeah."

Finally, someone who understands us.

Nolan's ultra-relaxed vision of "masculinity" is honestly so refreshing.

Men on social media are usually bombarded with the Andrew Tates and Jordan Petersons of the world, influencers who constantly berate us to make more money, lose weight and add muscle, sleep with more women, take charge, relentlessly self-improve.

I like Nolan's much chiller idea of masculinity. It reminds me of being a kid, taking pleasure in the simple things, not racing to be anywhere, not trying to impress anyone or prove anything.

Nolan's entire account is a breath of fresh air, an antidote to hustle culture. His videos find joy in:

  • Breaking down cardboard boxes
  • Driving at sunset
  • Going fishing
  • Throwing a frisbee
  • Wearing t-shirts
A daily visit to his page is almost like a meditation. I highly recommend giving him a follow to add a little counterprogramming to your social media feed.

Nolan says in another recent video that he started making TikToks and Instagram reels just for fun, but discovered along the way that he was really passionate about the message.

"I never thought that my simple living and love for little things would resonate with so many of you."

He said he hopes to inspire people to "take a step back and enjoy the good simple things in life."

I suddenly have the urge to go chuck a rock into a river, so I would say: Mission Accomplished!

Memories of childhood get lodged in the brain, emerging when you least expect.

There are certain pleasurable sights, smells, sounds and tastes that fade into the rear-view mirror as we grow from being children to adults. But on a rare occasion, we’ll come across them again and it's like a portion of our brain that’s been hidden for years expresses itself, creating a huge jolt of joy.

It’s wonderful to experience this type of nostalgia but it often leaves a bittersweet feeling because we know there are countless more sensations that may never come into our consciousness again.

Nostalgia is fleeting and that's a good thing because it’s best not to live in the past. But it does remind us that the wonderful feeling of freedom, creativity and fun from our childhood can still be experienced as we age.

A Reddit user by the name of agentMICHAELscarnTLM posed a question to the online forum that dredged up countless memories and experiences that many had long forgotten. He asked a simple question, “What’s something you can bring up right now to unlock some childhood nostalgia for the rest of us?”


It was a call for people to tap into the collective subconscious and bond over the shared experiences of youth. The most popular responses were the specific sensory experiences of childhood as well as memories of pop culture and businesses that are long gone.

Ready to take a trip down memory lane? Don’t stay too long, but it’s great to consider why these experiences are so memorable and still muster up warm feelings to this day.

Here are 19 of the best responses.

1. 

"An eraser that looks and smells like a very fake strawberry." — zazzlekdazzle

2. 

"Remember the warm, fuzzy static left on your tv screen after it was on for a while. A lot of you crazy kids WEAPONIZED the static to shock your siblings!" — JK_NC

3. 

"Waking up super early on Saturday morning before the rest of the family to watch cartoons." — helltothenoyo

4. 

"When you'd watch a vhs and it would say 'and now your feature presentation.'" — Mickthemmouse

5. 

"Eating one of those plastic-wrapped ice pop things after a long day of playing outside in your backyard with your friends." — onyourleft___

6. 

"Scholastic book fairs." — zazzlekdazzle

"The distinctive newspaper-y feel of those catalogues, the smell of them. Heaven. I would agonize over what books to get, lying on my living room floor, circling my options in different colored gel pens, narrowing it down to 2-4 from a dozen in an intense battle royale between slightly blurry one-line summaries. I know my mom's secret now. She would've bought me the whole damn catalogue. But she made me make my choices so that I really valued the books. I'd read them all immediately, reading all night if I had to, hiding in a tent under my covers with a flashlight I stole from the kitchen. I thought I was getting away with something. As an adult, I notice, now, that the flashlight never ran out of batteries." — IAlbatross

7. 

"Watching 'The Price Is Right' when you were sick at home." — mayhemy11

8. 

"That feeling of limitless freedom on the first day of summer vacation. That feeling of dreaded anticipation on the last day of summer vacation." —_my_poor_brain_

9. 

"Blockbuster." — justabll71

10. 

"The noise when picking up the phone when someone was surfing the web." — OhAce

11. 

"The TV Guide channel. You had to sit through and watch as the channels slowly went by so we could see what was on. It blew getting distracted by the infomercial in the corner and then realizing you barely just missed what you were waiting for so had to wait for it to start all over." — GroundbreakingOil

12. 


"Light Bright. I barely remember it myself but you’d take a charcoal-black board and poke different colored pegs through it. You plug it in to the electrical outlet and all the pegs light up creating whatever shape you made in lights." — 90sTrapperKeeper

13. 

"You knew it was gonna be a good day when you walk into PE class and see that huge colorful parachute." — brunettemountainlion

14. 

"Ripping handfuls of grass at recess and putting them on your friend." — boo_boo_technician

15. 

"In 1972, a crack commando unit was sent to prison by a military court for a crime they didn't commit. These men promptly escaped from a maximum-security stockade to the Los Angeles underground. Today, still wanted by the government they survive as soldiers of fortune. If you have a problem if no one else can help, and if you can find them....maybe you can hire The A-Team." — Azuras_Star8

16. 

"Watching 'Mister Rogers' Neighborhood.' There was something so special about the intro where he would sing Won't You Be My Neighbor while he changed his jacket and shoes. I loved every second of it, and would watch in utter content and fascination each time as if I'd never before seen him zip his cardigan up and back down to the right spot and change his shoes with the little toss of a shoe from one hand to the other." — Avendashar

17. 

"Somewhere between blowing on some cartridges and pressing the cartridge down and up in the NES to get it to play." — autovices

18. 

"That feeling when you are going as high as you can go on the swings. Power? Freedom? Hard to describe." — zazzlekadazzle

19. 

"Cap guns. But smashing the entire roll of caps at once with a hammer." — SoulKahn90


This article originally appeared on 6.30.22

New research shows how to fight misinformation.

The rise of misinformation on social media has been a monumental stress test for the world’s critical thinking skills. Misinformation has had a huge influence on elections, public health and the treatment of immigrants and refugees across the world.

Social media platforms have tried to combat false claims over the past few years by employing fact-checkers, but they haven’t been terribly effective because those who are most susceptible to misinformation don’t trust fact-checkers.

“The word fact-checking itself has become politicized,” Cambridge University professor Jon Roozenbeek said, according to the Associated Press. Further, studies show that when people have incorrect beliefs challenged by facts, it makes them cling to their false assumptions even harder.

These platforms have also attempted to remove posts containing misinformation that violates their terms of service, but this form of content moderation is often seen as insufficient and is often applied inconsistently.


via Mattias Berg/Flickr

How do we combat dangerous misinformation online if removing false claims or debunking them hasn’t been effective enough? A new study published in the journal Science Advances by a team of university researchers and Jigsaw, a division of Google, has found a relatively simple solution to the problem they call “pre-bunking.”

Pre-bunking is an easy way of inoculating people against misinformation by teaching them some basic critical thinking skills. The strategy is based on inoculation theory, a communication theory that suggests one can build resistance to persuasion by exposing people to arguments against their beliefs beforehand.

The researchers learned that pre-bunking was effective after conducting a study on nearly 30,000 participants on YouTube.

“Across seven high-powered preregistered studies including a field experiment on YouTube, with a total of nearly 30,000 participants, we find that watching short inoculation videos improves people’s ability to identify manipulation techniques commonly used in online misinformation, both in a laboratory setting and in a real-world environment where exposure to misinformation is common,” the recently published findings note.

The researchers uploaded videos into YouTube ad slots that discussed different types of manipulative communication used to spread false information such as ad hominem attacks, false dichotomies, scapegoating and incoherence.

Here’s an example of a video about false dichotomies.

Researchers found that after people watched the short videos, they were significantly better at distinguishing false information than they were before. The study was so successful that Jigsaw is looking to create a video about scapegoating and running it in Poland, the Czech Republic and Slovakia. These countries are all combating a significant amount of false information about Ukrainian refugees.

There’s an old saying, “If you give a man a fish, he’ll eat for a day. Teach that man to fish and he’ll eat forever.” Pre-bunking does something very similar. We can either play a game of whack-a-mole where social media platforms have to suss out misinformation on a minute-by-minute basis or we can improve the general public’s ability to distinguish misinformation and avoid it themselves.

Further, teaching people to make their own correct decisions about misinformation will be a lot more effective than pulling down content and employing fact-checks. These tactics only drive vulnerable, incredulous people toward misinformation.


This article originally appeared on 8.30.22