Got an overpayment notice, what now? (update)

The agency says I reported earnings incorrectly, but I think I followed the instructions. I cannot afford to repay it all at once. Are payment plans possible?

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.