I see. Thank you for providing this additional information, Tulsa.
What your friend likely does not understand is that pursuing an obtaining a judgment against you and then seeking to garnish your wages would typically be a time-consuming an expensive endeavor and they would not likely recover more per month than you are offering, and probably less as a net result after expenses.
If you believe your friend is not aware of these facts, then it may help to retain a local attorney to communicate this to your friend and attempt to negotiate a payment schedule which should be reduced to writing.
Your friend would typically need to retain an attorney to pursue a lawsuit against you since the amount owed is too much for small claims
court and their fees and costs would not be recoverable against you typically, so that they would end up receiving significantly less than the amount you borrowed if they do not accept a payment schedule, so it is likely in their best interest to accept this reasonable offer you have made.
I hope this helps clarify the situation for you. Please remember to rate my service once you have all the information you need so I will be compensated for my time from the deposit you posted with this website. If you have any other questions, please ask me – I’ll be happy to respond. Thank you!