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What would I have done when I was a starving college student? Probably exactly what you did.
Now, though, I know more about the banking system and know that there is no such thing as free money.
GG - I hate to say this but you are in the wrong here. The best that you can hope for is that Paypal will give you payment terms, but they're under no obligation to do so. Its possible that they might try to ding you for interest, but that's a long shot. If they want let you pay it off in installments, then you might want to consider borrowing it from someone else.
GG - you've already figured this out, but for anyone else in similar circumstances you should know that this isn't "your" money. There is no harm contacting the institution to alert them to the mistake. They have teams of accountants, and they will figure it out eventually and ask for repayment. And you will owe it.
0% chance of keeping this.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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