You said the plan admin said they can't change it "from 1L or 1."
To be clear, you want them to change it from a 1L (loan) to a 1 (early withdrawal).
If you don't repay the loan, it will eventually become a taxable event but I understand you want to get this done in 2020 to take advantage of the CARES Act.
I'm not a tax attorney (and don't work for TT) but if the plan admin really won't change it, I'd enter it as a 1 in TT and should the IRS question you, be ready to explain it. Have documentation from the plan admin that they refused to change it from a 1L to a 1 even though you told them you can't repay it because of a job loss.
