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Retirement tax questions
As long as your repayments are in good standing, a loan is not a withdrawal and you will not get a 1099-R.
If you stop making payments (because you default somehow, or you leave the company and don't repay it after leaving) then at that time the outstanding balance will become a withdrawal, with different consequences depending on why you stopped payment.
‎January 21, 2026
2:12 PM
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