<prompt> Human: I had surgery back in October that was an emergency unplanned. Carolina Healthcare Systems said since I make 46000 a year, that I do not qualify for a hardship discount in which the bill says I owe 4,656. I called and spoke with them since they declined me for a hardship discount and they said I had a few options. I can appeal the hardship agreement and have them review it again, or I can look at payment plans. 136 with 8 interest or 260 with zero interest. I did take rpersonalfinance advice and asked if they would accept a one-time payment of 2,000 and they mentioned that does not work anymore.My rent is 900 a month, Car is 300 a month, other bills and now another 260 gone a month. Any advice on what I should do?  <response>: Post your entire budget. 