@rogerlmartin no, she's right. There is no such thing as an IRA "loan". You can sort of skirt the law by returning the funds within 60 days - once per year - thereby affecting an indirect rollover but what you have done is just take advantage of a loophole. There is not a rule that allows you to borrow the funds for 60 days. There isn't. You took a distribution, and then you rolled it over and you did so within 60 days. It's not a loan that was repaid. It's just taking advantage of a rule that allows time for a rollover to take place.
No "bullcrap" - loans from IRAs are not a thing.
