If you want a lower repayment plan, you must fill out and submit form 'SSA-634-BK – Request for Change in Overpayment Recovery Rate'. If you have an overpayment debt, you may be eligible to make a full or partial payment using Pay.Gov or your bank's online bill pay option. Using your bank's online bill pay feature, to make a payment to "Social Security Administration. " • Send us a check for the entire amount of the overpayment. We inform people about the fact and amount of the overpayment, their right to appeal, and the options to repay or, in some cases, receive waivers for the debt. When we notify you of an overpayment you can make arrangements for repayment, appeal the decision, or request a waiver.