Got an overpayment notice, what now? - 5 months and counting

I received a letter saying I was overpaid about $650 on my claim. Any experience at all would help. I cannot afford to repay it all at once.

I asked for a waiver and a plan in the same call, and they gave me both forms. It was less scary than I expected.

If you are unsure, free legal aid in your area may help for this kind of notice.