@twoinanddone - You’re right! I was mixing up between a 401k loan and a withdrawal. I was reading some previous comments about hardship distribution so I was thinking about it at that time…
Re. 401k loan, there are many drawbacks that have been mentioned. If I need money to fund for college, I’d rather use a HELOC. The rate of returns on my current 401(k) will more than offset the interest rate expense for the HELOC.