I followed directions and was able to select withdrawal due to covid, turbo tax said we do qualified for covid-19 exception but then it says "since i didn't use the money for a special situation that qualifies, i have to pay the 10% penalty amount. My Box 7 code was 1L, loan treated as distribution. But the reason was because i was not able to repay loan monthly was due to not being able to work during covid, no money. i don't understand.
