I know this sounds totally counterintuitive, but the IRS website
can e pretty easy to manuver. Try going on there and looking
into early retirement withdrawl or retirement cash out.

Unless there is a stipulaton for your hardship, I believe you
are expected to repay (plus taxes) within a year. The tax
penalties are about 50%. They don't always make that clear at
the beginning, so be safe and set aside half for uncle sam.

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