Told I owe money back on my benefits - any advice?

The agency says I reported earnings incorrectly, but I think I followed the instructions. This is my first time dealing with any of this. I cannot afford to repay it all at once. Are payment plans possible?

Thanks for writing this out. I went through something close to it last year, and it got easier once I kept a simple log of every call and form.

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.