That's a pretty good price for the MRI and ambulance I'd think.

Ask the hospital for an itemized bill and go from there.

A lot of time they will settle for 50% cash payment ..that's still 10k payment though.

There's also a lot of charity's that pay hospital bills partially or fully, my brother had a 15k bill paid in full by a charity and he isn't even considered low income.

Other than that, if it were me, I'd just tell the hospital I can pay 15-20 bucks a month indefinitely or nothing. I'm not 100% sure but hospital debt may not affect your credit.