So if you project the early withdrawal will put you in the 32% tax bracket, you can go ahead and pay the IRS 42% of the withdrawn amount. (32% for the taxes, 10% for the penalty). You can pay all or any portion of it directly to the IRS at http://www.irs.gov/directpay. Make sure you print your receipt and keep it for your records when/if you do that.
Also, if your state taxes personal income then your state would most likely impose taxes on the withdrawal as well as an early withdrawal penalty also. What those amounts would be for your state, depends on which of the 37 states you're in that tax personal income.