Irs requesting $1400 repayment of recovery tax relief refund from 12/2024 from a processing error. Anyone else have this?

Called IRS when received $1400 check 12/2024 and wasn’t made aware this was a for a 2021 credit. Concerned about repayment options and consequences of the notice. I’m paying down debt and carry a low balance in checking. Just getting by with minimum payments on cards and expenses. This notice is difficult to manage