re: 401k - loan vs complete withdrawal?

Loan is a better option but they are hard to give. There are only 6 “hardship” options. Nothing else is allowed. Wish I qualified.

Only thing is, when you pay back you need to be paying off with income salary. If no salary, withdrawal may be better, just make sure they do not tax it first! Tell them you’ll file it and pay the taxes in April. If you withdraw in January that’s 16 months before paying the tax.

Apply for government help. Remember medical bills don’t affect your credit score.