<prompt> Human: Back in June I had to go to the ER for a bartholin cyst removal. The bill was about 7000. Due to it being a county hospital and not having any form of health insurance I qualified for some financial assistance and the bill was lowered to 3000 without me even asking for it. However 3,000 is still more than I can afford to pay. Im already tight on finances without adding another monthly payment or wiping out my savings. Since I already got assistance how do Ican I negotiate a low monthly payment or settlement?Thanks personal finance!  <response>: Get in touch with their financial assistance department. Tell them you cant afford it. When they give you a monthly payment of 100, tell them you cant afford it. When they bring it down to 50 tell them you cant afford it. Its all interest free payment plans, so bring it down to the absolute minimum that you can afford. If you can afford 20 bucks a month and it takes you 100 years to pay it off so be it. Went through cancer treatment and surgeries and had over 10k worth of bills. I was paying 25 dollars a month at one point until I was able to get rid of them. But they were happy to receive their payment, and they didnt harass me.Hopefully the people on the other end of the phone will try to be as human and understanding as possible. I got a few nasty people, but also some really nice ones along the way.edit: Let me be clear here. This is not me saying they asked for 100 dollars and I gave them only 25 dollars. They REDUCED the payment for me down to 25 dollars so I was meeting their minimum payment. Its based on the amount of the specific bills with each individual doctor that is involved with your bills. I did not AVOID paying them and I would never recommend you just send them whatever you can with a middle finger. To the people below, sorry if I wasnt clear on that. All I was simply saying was the initial payment was too much for me, so they continued to lower it until it was manageable. They have a floor on monthly payment that it cant go below, but they certainly dont start there. 