i would like to what i can do to pay in payments

Good piggycolie !!

That should be the spirit. Maintaining a credit report is very necessary as it is needed almost everywhere. We can't get good credit without a good file. The employers also don't listen if the credit report is busted. Get in touch with your counselor and he will set your monthly payments. Slowly, your credit will take good shape if you are regular in your monthly payments. You are showing good sense of responsibility. All the best :)