it could affect your refund depending on what taxes are withheld on the withdraw and your other income and deductions. if it is not a hardship withdrawal there is also a 10% penalty.
you other option, if the plan allows this, is a loan. you are not taxed on the loan unless you fail to repay it within the stipulated period which is generally 5 years. You also must pay interest on the loan
see this webpage for a additional info and suggestions
https://www.edwardjones.com/us-en/market-news-insights/guidance-perspective/withdrawal-or-401k-loan?...
