I have experience in this area with two different examples. First, I am currently paying back my bonus. I am still active duty (for now). I was able to negotiate to pay back the minimum amount per month that is authorized in the references cited in the above post. That amount is 1/3 of my "disposable" monthly income, as calculated by the Navy. It varies based on pay grade and many other factors. As you said you are currently unemployed, I don't think this applies to you, but perhaps somebody else who reads this thread in the future can find some good info there.
Moving on to the second example I have. Somebody with whom I am very familiar is currently paying back their bonus. They are no longer a Nuke due to their inability to pass the run portion of PRTs and the subsequent DD214. This person got the letter from DFAS informing them of the debt. They called DFAS and talked to them to set up a payment plan. It is still a large amount per month (read: 4 figures), but I don't know the exact conversation they had with DFAS. I don't know if that is the minimum they could achieve, or if that was just what they decided they could afford. Yes, there is interest on the debt. NO, THEY DO NOT WITHHOLD THIER TAX REFUNDS. I have found that many people think this happens, when I can say with 100% certainty that in at least this case, it isn't happening. This person has received 3 or 4 tax refunds from the feds since the notification and subsequent payment of the debt. Now, if you ignore the issue and don't do anything, you can bet your rear end that They will be coming to get their money.
I hope some of this information was helpful. I apologize for not listing references, but since most of my information is personal, there isn't much to list, and what there is to list has already been posted in the previous reply. If you have any questions, please let me know or PM me.
V/R
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