I sent in 3 hardship waivers and I am still getting denied. They wrote I did not intentionally conceal information to get these benefits but they want me to still pay! I cannot afford this. I am a stay at home mom recently married in dec 2010. This is from benefits I collected in 2009 and early 2010. What should I do next? If the answer is to protest what info do I send with my written protest?