ask for more deduction.....hospital bill can be lowered as much as 50-40% (depending on your income and situation).... so in your case ..... talk ...like ur damm broke but ur sincere about ur credit/payment. tell them that i go to college and i can pay max 1000 or so and want to pay in installment ..... usually they accept

this is very common .... it is not new case....and they will understand you