Finger Toes

My tax for '21-'22 is paid. I have been told I need to pay full amount for '22-'23 and half of what I would owe for '23-'24. I am under £1000 tax bill. Can I pay 1st payment by Jan' '24 & 2nd payment by 31st July? I am not being offered two payment facilities and am told if I do not pay in full plus advanced payment for '23-'24, I will incur interest charges. Am I being told correctly as others in my similar situation have not been told this! I am going to find it impossible but I am told I will be charged extra interest if I come to an arrangement with HMRC for this or penalty payment if I do not pay in full. Both options mean interest payments on top if I have been advised correctly. Please advise me. Thanks.