Normally, If the only reason for your license suspension is unpaid fines you just need to pay a $75 reinstatement fee. You should not have to retake the test unless your license has expired during the suspension. You can use the link below to find out exactly what you need to do.
The answer provided is for educational purposes only. It does not constitute legal advice or create an attorney-client relationship. You should consult an attorney for legal advice regarding the facts of your specific case and designed to help you with your personal needs.
Adding to Attorney Lawrence's fine answer, my recommendation is that you try to pay the balance in full if possible, or at the very least stay current on every payment. If you miss a payment, your license can get suspended again, and the collection agency may not agree to enter into a second payment plan with you. Many people miss a payment - don't be one of those folks. Good luck to you.
This answer is given merely for informational purposes and does not create an attorney-client relationship. For specific advice, contact an attorney in your state to see if working together makes sense.