Got an overpayment notice, what now? (update)

The agency says I reported earnings incorrectly, but I think I followed the instructions. I would rather hear the honest version than the polite one. I cannot afford to repay it all at once. Are payment plans possible?

Keep everything in writing and save the confirmation numbers. It made the follow-up calls so much easier.

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.