<human>: So,  I've got a collections bill I've been paying since November of last year (2014). The year before that (2013), I had gone to the hospital - uninsured - but had been approved for MediCal about a little over a month later -- by this point it was 2014. Before the approval, however, I had gotten the bill from the hospital. 

However, me being the extremely broke, living pay check to pay check college student with naïvité, I ignored it (I know, I know). I got another one the previous month, but I called and explained my situation and got an extension on when the pay was due. Finally, once approved for Medical, I provided my Medical information and never saw another bill. Great, things were solved, or so I thought. 

Late last year, I received a collection bill in the mail. I freaked out. Long story short, my life had hit rock bottom at the time, and this bill triggered an anxiety attack. Of all the issues I was going through, now my credit score was going to suffer and I had yet ANOTHER bill to pay for on top of my credit card, phone, and car insurance bills.

I called the number on the bill, and after much disputing, I was told my Medical information didn't cover the hospital bill from my visit in 2013 because I wasn't under Medical at the time. This is where even more naïvité comes in; I accepted a payment plan. Something, after much reading on the issue, that was a mistake. My credit report did indeed suffer, and I've been paying since. My payment for this month is due in about 2 weeks, but I want to do something about this, if possible, before I continue paying. I don't have a lot of money left and I'm terrified, to be honest. 
 

My question is, how could I get this removed after paying it off? I've read around here and other sites that I should have demanded it be removed once it's paid off before accepting a payment plan, but it's too late for that.

Can you condense the text into a few key points?
<bot>: I'm a 20-year old guy who's very concerned for his credit score and is very much aware of his financial mistakes.