I'm going to try to make a payment plan with my niece
Did you mean you're going to make something else? A payment plan with your niece sounds odd to me.
A payment plan
It is good to pay back debts you owe others. You should try to save next time before needing to borrow money from others.
You are too very rude! I think you don't like me.
It's good to keep records of money lent out or borrow. Especially with family members since it can be a sensitive topic. That way everyone can be sure they're getting what they're owed and not have any drama during family visits.