Overpayment letter from the unemployment office

The agency says I reported earnings incorrectly, but I think I followed the instructions. It has been a long 24 weeks. I cannot afford to repay it all at once. Has anyone disputed one of these?

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.