You ought to repay it over many months.
When they accept allow you to repay your balance in a installment plan, create your repayments on time for you to avoid collection actions.
You might have a time that is hard your account at one bank after which attempting to start a free account at a fresh one. Some banking institutions will likely not start a brand new account if you borrowed from another bank. In such a circumstance, contact DFI, or whatever regulatory agency has jurisdiction within the bank that declined you solution.