Just read this a bit more closely - take it out in cash asap after receiving it. But if you really owe the US govt that much money, you may want to face facts. They will withhold SS payments among other things if you don’t stay on schedule/pay up.
You have some very good points.
I do stay on top of the repayment schedules.
After decades of being (what I used to think of as) Artful Dodger, I realize it’s best just to make a payback arrangement and stick to it. I stopped trying to run away from the lingering debts. Too stressful.