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Hi and welcome back.If SS finds hardship here thay may waive all of it.At worst you get longer payback or a partial reduction.Reporting this limits your problems and shows good faith.I mean they will find this and the longer you wait the worse the damage.They would work on a plan if they do not agree to waive it all.
An SNT here also shows you made a good faith effort to avoid future problems here.SSI is sooo picky here , any changes have to be reported.Don't beat yourself up here you are taking the proper corrective actions here. The SNT avoids future entanglements preserves SSI and medicaid down the road.Medicaid can be very valuable it has long term care if needed down the road.
I appreciate the chance to help you again.Wish you the best here.
Negotiating help on repayment..