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There are a number of options available.
If your circumstances allow, SSA would ask for a check. If they do not, you can set up installments for a portion of the repayment. It is also possible that the overpayment won't need to be repaid at all.
SSA defaults to withholding future payments to repay overpayments.
First, review your income and payments for the years in question. Mistakes are made, and SSA will work with you to review and revise their math if their mistake is made within their appeal window.
You can do this yourself, but presenting your case for partial repayment or an inability to repay due to hardship might suggest asking for assistance.
Your circumstances will dictate what, if any, relief you may be granted, but there are options.
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