Overpayment letter from the unemployment office - any advice?

After 13 weeks of benefits I got a notice saying I must repay some of it. It has been weighing on me all week. I cannot afford to repay it all at once. Are payment plans possible?

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.

Read the letter for the appeal deadline and act on it, even if you think you will end up repaying. Then ask about a payment plan.