See if you can work out a deal with a local credit union or bank - essentially, a balance-transfer deal but with guaranteed low interest rate. Spin that it'll be good for their PR. What I'm thinking is that the credit union or bank could step in, take ownership of the debt, (in other words pay it off and re-establish the debt under their umbrella - a balance transfer) and charge you guys lower interest rates (or fewer fees) than whatever is occurring with the medical debt and debt collection agencies. You could consolidate all veterans' debts at this one bank/union, which is the sweet deal they're getting from you; the sweet deal you're getting from them is same place and lower interest/fees, PLUS the debts wouldn't run the risk of going to collections (bad for the credit, not so bad for the pocket book though). Just a thought. Might be a more sustainable way for you guys to do it than have to raise the capital and pay every loan up front. One who be straight financial assistance in helped homeless veterans pay back debt for emergency dental work they've had to have.