Skip to main content
Log in

Exploring the Relationship between Debt and Health after Incarceration: a Survey Study

  • Original Article
  • Published:
Journal of Urban Health Aims and scope Submit manuscript

Abstract

Financial debt and incarceration are both independently associated with poor health, but there is limited research on the association between debt and health for those leaving incarceration. This exploratory study surveyed 75 people with a chronic health condition and recent incarceration to examine debt burden, financial well-being, and possible associations with self-reported health. Eighty-four percent of participants owed at least one debt, with non-legal debt being more common than legal debt. High financial stress was associated with poor self-reported health and the number of debts owed. Owing specific forms of debt was associated with poor health or high financial stress. Non-legal financial debt is common after incarceration, and related stress is associated with poor self-reported health. Future research is needed in larger populations in different geographical areas to further investigate the relationship and the impact debt may have on post-release poor health outcomes. Policy initiatives to address debt in the post-release population may improve health.

This is a preview of subscription content, log in via an institution to check access.

Access this article

Price excludes VAT (USA)
Tax calculation will be finalised during checkout.

Instant access to the full article PDF.

Similar content being viewed by others

Data Availability

The datasets generated during and analysed during the current study are available from the corresponding author on reasonable request.

References

  1. Jenkins R, Bhugra D, Bebbington P, et al. Debt, income and mental disorder in the general population. Psychol Med. 2008;38(10):1485–93.

    Article  CAS  PubMed  Google Scholar 

  2. Turunen E, Hiilamo H. Health effects of indebtedness: a systematic review. BMC Public Health. 2014;14:489.

    Article  PubMed  PubMed Central  Google Scholar 

  3. Fitch C, Hamilton S, Bassett P, Davey R. The relationship between personal debt and mental health: a systematic review. Ment Health Rev J. 2011;16(4):153–66.

    Article  Google Scholar 

  4. Bridges S, Disney R. Debt and depression. J Health Econ. 2010;29(3):388–403.

    Article  PubMed  Google Scholar 

  5. Brzoska PRO. Indebtedness and mortality: analysis at county and city levels in Germany. Gesundheitswesen. 2008;70(7):387–92.

    Article  CAS  PubMed  Google Scholar 

  6. Drentea P, Lavrakas PJ. Over the limit: the association among health, race and debt. Soc Sci Med. 2000;50(4):517–29.

    Article  CAS  PubMed  Google Scholar 

  7. Meltzer H, Bebbington P, Brugha T, Farrell M, Jenkins R. The relationship between personal debt and specific common mental disorders. Eur J Pub Health. 2013;23(1):108–13.

    Article  Google Scholar 

  8. Sweet E, Nandi A, Adam EK, McDade TW. The high price of debt: household financial debt and its impact on mental and physical health. Soc Sci Med. 2013;91:94–100.

    Article  PubMed  PubMed Central  Google Scholar 

  9. Richardson T, Elliott P, Roberts R. The relationship between personal unsecured debt and mental and physical health: a systematic review and meta-analysis. Clin Psychol Rev. 2013;33(8):1148–62.

    Article  PubMed  Google Scholar 

  10. Sweet E, Kuzawa CW, McDade TW. Short-term lending: payday loans as risk factors for anxiety, inflammation and poor health. SSM Popul Health. 2018;5:114–21.

    Article  PubMed  PubMed Central  Google Scholar 

  11. Himmelstein DU, Lawless RM, Thorne D, Foohey P, Woolhandler S. Medical Bankruptcy: still common despite the affordable care act. Am J Public Health. 2019;109(3):431–3.

    Article  PubMed  PubMed Central  Google Scholar 

  12. Yilmazer T, Babiarz P, Liu F. The impact of diminished housing wealth on health in the United States: evidence from the Great Recession. Soc Sci Med. 2015;130:234–41.

    Article  PubMed  Google Scholar 

  13. Zinman J. Household debt: facts, puzzles, theories, and policies. Annual Review of Economics. 2015;7(7):251–76.

    Article  Google Scholar 

  14. Bronson J, Carson EA. Prisoners in 2017. Washington DC: US Department of Justice Bureau of Justice Statistics; 2019.

  15. Zaw K, Hamilton D, Darity W. Race, Wealth and incarceration: results from the national longitudinal survey of youth. Race Soc Probl. 2016;8(1):103–15.

    Article  Google Scholar 

  16. Maroto ML. The absorbing status of incarceration and its relationship with wealth accumulation. J Quant Criminol. 2015;31:207–36.

    Article  Google Scholar 

  17. Harper A, Ginapp C, Bardelli T, et al. Debt, incarceration, and re-entry: a scoping review. Am J Crim Justice. 2021;46(2):250–78.

    Article  PubMed  Google Scholar 

  18. Massoglia M, Pridemore WA. Incarceration and health. Annu Rev Sociol. 2015;41:291–310.

    Article  PubMed  PubMed Central  Google Scholar 

  19. Houle B. The effect of incarceration on adult male BMI trajectories, United States, 1981–2006. J Racial Ethn Health Disparities. 2014;1(1):21–8.

    Article  PubMed  PubMed Central  Google Scholar 

  20. Binswanger IA, Krueger PM, Steiner JF. Prevalence of chronic medical conditions among jail and prison inmates in the USA compared with the general population. J Epidemiol Community Health. 2009;63(11):912–9.

    Article  CAS  PubMed  Google Scholar 

  21. Binswanger IA, Stern MF, Deyo RA, et al. Release from prison – a high risk of death for former inmates. N Engl J Med. 2007;356(2):157–65.

    Article  CAS  PubMed  PubMed Central  Google Scholar 

  22. Massoglia M, Remster B. Linkages between incarceration and health. Public Health Rep. 2019;134(1_suppl):S8–14.

    Article  Google Scholar 

  23. Schnittker J, Massoglia M, Uggen C. Out and down: incarceration and psychiatric disorders. J Health Soc Behav. 2012;53(4):448–64.

    Article  PubMed  Google Scholar 

  24. Schnittker J, John A. Enduring stigma: the long-term effects of incarceration on health. J Health Soc Behav. 2007;28(2):115–30.

    Article  Google Scholar 

  25. McLeod BA, Gottlieb A. Examining the relationship between incarceration and child support arrears among low-income fathers. Child Youth Serv Rev. 2018;94:1–9.

    Article  Google Scholar 

  26. Link NW, Roman CG. Longitudinal associations among child support debt, employment, and recidivism after prison. Sociological Quarterly. 2017;58(1):140–60.

    Article  Google Scholar 

  27. Pleggenkuhle B. The effect of legal financial obligations on reentry experiences. St. Louis, MO: Criminology and Criminal Justice, University of Missouri-St. Louis; 2012.

    Google Scholar 

  28. Harner HM, Wyant BR, Da Silva F. “Prison ain’t free like everyone thinks”: financial stressors faced by incarcerated women. Qual Health Res. 2017;27(5):688–99.

    Article  PubMed  Google Scholar 

  29. Ortiz J. A needs analysis of recidivating female offenders in Oklahoma. Norman, Oklahoma: Department of Sociology, University of Oklahoma Graduate College; 2010.

    Google Scholar 

  30. Ware JE, Sherbourne CD, Davies AR. Developing and testing the MOS 20-item short-form health survey: a general population application. Measuring Functioning and Well-Being: The Medical Outcomes Study Approach Durham, N.C. : Duke University Press; 1992:277–290.

  31. Hadden KB, Puglisi L, Prince L, et al. Health literacy among a formerly incarcerated population using data from the transitions clinic network. J Urban Health. 2018;95(4):547–55.

    Article  PubMed  PubMed Central  Google Scholar 

  32. Link NW. Paid your debt to society? Legal financial obligations and their effects on former prisoners. Philadelphia, PA: Criminal Justice, Temple University, Temple University Libraries; 2017.

  33. Pleggenkuhle B. The financial cost of a criminal conviction: context and consequences. Crim Justice Behav. 2018;45(1):121–45.

    Article  Google Scholar 

  34. Martire K, Sunjic S, Topp L, Indig D. Financial sanctions and the justice system: fine debts among New South Wales prisoners with a history of problematic substance use. Aust N Z J Criminol. 2011;44(2):258–71.

    Article  Google Scholar 

  35. Ong Q, Theseira W, Ng IYH. Reducing debt improves psychological functioning and changes decision-making in the poor. Proc Natl Acad Sci U S A. 2019;116(15):7244–9.

    Article  CAS  PubMed  PubMed Central  Google Scholar 

  36. Harper A, Bardelli T, Barrenger S. Let Me Be Bill-free”: consumer debt in the shadow of incarceration. Sociol Perspect. 2020;63(6):978–1001.

    Article  Google Scholar 

  37. CT Gen Stat § 52-259b (2013).

  38. Roman CG, Link N. Child support, debt, and prisoner reentry: examining the influences of prisoners’ legal and financial obligations on reentry. Philadelphia, PA: Temple University, National Institute of Justice; 2015.

  39. Steinbach A. Children’s and parents’ well-being in joint physical custody: a literature review. Fam Process. 2019;58(2):353–69.

    Article  PubMed  Google Scholar 

  40. Sanders CK. Promoting financial capability of incarcerated women for community reentry: a call to social workers. J Commun Pract. 2016;24(4):389–409.

    Article  Google Scholar 

  41. Mielitz KS, Macdonald M, Lurtz M. Financial literacy education in a work release program for an incarcerated sample. J Financ Couns Plan. 2018;29:316–27.

    Article  Google Scholar 

Download references

Acknowledgements

We wish to express gratitude to the late Jerry Smart Jr. for his integral role in participant recruitment as a community health worker.

Funding

This study was funded by the National Institute of Diabetes and Digestive and Kidney Diseases of the National Institutes of Health under Award Number T35DK104689 and the Yale School of Medicine Office of Student Research Lowe Fund. The funding bodies had no role in developing the study design or in data collection, analysis, or interpretation.

Author information

Authors and Affiliations

Authors

Corresponding authors

Correspondence to Callie Ginapp or Lisa B. Puglisi.

Additional information

Publisher's Note

Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.

Supplementary Information

Below is the link to the electronic supplementary material.

Supplementary file1 (DOCX 14 kb)

Rights and permissions

Springer Nature or its licensor (e.g. a society or other partner) holds exclusive rights to this article under a publishing agreement with the author(s) or other rightsholder(s); author self-archiving of the accepted manuscript version of this article is solely governed by the terms of such publishing agreement and applicable law.

Reprints and permissions

About this article

Check for updates. Verify currency and authenticity via CrossMark

Cite this article

Ginapp, C., Aminawung, J.A., Harper, A. et al. Exploring the Relationship between Debt and Health after Incarceration: a Survey Study. J Urban Health 100, 181–189 (2023). https://doi.org/10.1007/s11524-022-00707-6

Download citation

  • Accepted:

  • Published:

  • Issue Date:

  • DOI: https://doi.org/10.1007/s11524-022-00707-6

Keywords

Navigation