Overpayment letter from the unemployment office - what worked for you?

The agency says I reported earnings incorrectly, but I think I followed the instructions. Any experience at all would help. I cannot afford to repay it all at once.

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.