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I took out a 401 k loan in october 2025 of 17k. I left my job 12/31/2025. I repaid the loan on 1/22/2026. is this considered a rollover?

i left my job 12.31.25. I got another job and paid back my 401 k loan on january 22 2026. Does this still count as a rollover?
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2 Replies
MinhT1
Expert Alumni

I took out a 401 k loan in october 2025 of 17k. I left my job 12/31/2025. I repaid the loan on 1/22/2026. is this considered a rollover?

No.

 

Repayment of a 401(k) loan is not a rollover.

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dmertz
Level 15

I took out a 401 k loan in october 2025 of 17k. I left my job 12/31/2025. I repaid the loan on 1/22/2026. is this considered a rollover?

Did you receive a Form 1099-R related to the amount of the loan?  If so, perhaps you received a plan loan offset distribution from the original 401(k) and depositing that into another traditional qualified retirement account would be a rollover.

 

If receive no Form 1099-R then it's not a rollover, it's simply a loan repayment.  With no Form 1099-R, there is nothing to report regarding the loan.

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