 Are you carrying medical debt? Owing the doctor is becoming something of a national pastime. Hi, I'm Rob West with the Faith and Finance Minute. It's a growing concern in America, and no wonder. A recent survey showed that more than one in three adults carry medical debt to some degree. But did you know that you don't always have to pay your full medical bill? You can negotiate to have bills lowered. As Christians, we must always pay our debts, but it's certainly not a sin to ask for a discount.