After you file


@Nennette  wrote:

I really need that money and I’m at the point where I’ll most likely have to take a loan from my 401k. IRS  really screws with peoples lives.


You might consider contacting the IRS Taxpayer Advocate Service.  They are especially prone to help if you have an economic hardship.

 

If you wish to do that, at the following IRS website, find the USA map and click on your state, and it will give you the number of your IRS Taxpayer Advocate. 

http://www.irs.gov/uac/Contact-a-Local-Taxpayer-Advocate

 

Also see this article for more info on how the IRS Taxpayer Advocate Service works::
http://www.irs.gov/taxtopics/tc104.html