If Social Security denies your request for reconsideration, you can ask for a hearing in front of an Administrative Law Judge (ALJ). You must ask for the hearing within 65 days from the date of the reconsideration denial letter. Asking for an ALJ hearing will not stop Social Security from taking some or all of your check to repay what you owe.
If you haven’t already requested a waiver, you might want to do so now.