Question about 1099-R

My husband left his job and took his retirement money out (did not roll over). We received 3 1099-R  forms today.  The 1st one shows the full amount he had taken out, and the other 2 are split that show the payment of an outstanding loan he had on it.  The loan balance was paid from the full distribution amount.  Why would be get 3 forms? The loan was paid off and then we received the remaining balance. I put all 3 in the tax form and it says we owe almost $8000 collectively between state and federal (we were getting a refund until I put this in). I don't understand how even after paying taxes when we took the money out we are getting a huge tax bill and how we have 3 forms to file when the loan was paid with account money prior to distribution (used money from what was able to be distributed prior to distribution). Help! I can't afford $8k and I can't even get a loan for that.