<prompt> Human: The facts are pretty straight-forward: I have a 10k tax bill from last year I took an extension on and about 20k in short-term, high-interest debt. I have over 300k in my 401k. I am currently employed and make good money, just over six figures, and Im in no danger of losing my job any time soon. Everything spun out of control around March of this year when I broke my back in a motorcycle accident. Id prefer to simply take money out of my 401k with enough to cover next years tax bill but as I understand this is nearly impossible.Generally speaking is it the plan administrator who sets up the loan or do I approach the credit union and ask for a long with my 401k as collateral?I never thought I would be in this position. I dont like it but the reality is there is no way Im going to be able to make the 10k payment on time without a loan of some kind and I want the short-term cc debt gone.Any ideas would be greatly appreciated.  <response>: I dont recommend withdrawing from retirement accounts unless its the only option left. You make six figures. Cut your lifestyle and pay it off. It shouldnt take you that long. Plan for your taxes more appropriately in the future as well. 