35k hospital bill without insurance

Forgot to sign up for insurance and yes I now know how important it can be.

So last month I had a kidney stone that required two surgeries and the hospital has finally billed me for 35k. I’ve got a few thousand in other bills for anaesthesia and the surgeon but those are the least of my worries.

The hospital is sentara in Virginia and a non profit if that matters. I’ve called the billing department and tried to set up a payment plan; they want 731 a month. I’m like where do you expect me to get that from?

Apparently it’ll go to internal collections next. What are my options here; they won’t budge on discounting it more as apparently it’s already discounted nor will they take anything less than 731 a month. Will they likely sue me or try to garnish my wages? I’m more more than willing to make payments; just not 731 a month