Got an overpayment notice, what now? after 16 years as a bookkeeper

After 15 weeks of benefits I got a notice saying I must repay some of it. There are 16 people counting on me, so I am trying to be careful. I did not notice any errors at the time.

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

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.