1099-R Help

[Meesha8436]

I am in tears, please help! 
I didn't have a job in 2020. In fact, I have been out of work since July 2019, when I quit a job to re-locate. So, sadly, I wasn't laid off because of COVID, however due to COVID I was unable to find work after I moved in August 2019 until December 2020.  I was unable to find employment at all, I tried very hard to find work!!! But given my recent relocation and COVID, it was extremely hard for me to find employment.

I took my $35k out of my IRA fund (early) to pay power bills: credit card bills, rental fees; I moved to a new rental house and just surviving life in 2020 - buying groceries and everything else, I had no income and was racking up credit card debt like crazy just to get by. I had no choice but to pull my money. I paid the Federal taxes on it and all at the time I pulled it. 

However, now that i'm filing taxes, the penalties are killing me, yet again I am left struggling. 
I don't have even an extra $500 to pay the tax owed amount of $3500 it's showing me I am going to owe. How can I find a break to help lower this.
I am just beside myself right now because I needed that money I pulled early just to live and get by and now I have to pay taxes on it and I can't afford that. The agency I was with gave a category "1" because they felt there was no exceptions for me. Which is highly inaccurate as I needed that money just to get through life in a COVID job-less world.

Please help me!

[DanaB27]

Individuals directly impacted by the pandemic will be able to withdraw up to $100k from their retirement accounts without facing the 10% early withdrawal penalty. You can choose to have the distribution taxed over 2020, 2021, and 2022 instead of only in 2020.

You qualify if:

• You, your spouse, or your dependent are diagnosed with COVID-19
• You experience adverse financial consequences as a result of being quarantined, furloughed, or laid off or having work hours reduced because of COVID-19
• You’re unable to work due to child care closure or hour reduction because of Covid-19
• You experience adverse financial consequences as a result of closing or reducing hours of a business that you own or operate due to SARS-CoV-2 or COVID-19.

Please follow these steps to enter your 1099-R and trigger Form 8915-E:

1. Login to your TurboTax Account 
2. Click on the Search box on the top and type “1099-R”
3. Click on “Jump to 1099-R” and enter your 1099-R (if you started this before you should see the “Your 1099-R Entries” screen and will click "edit")
4. Continue until "Tell us if any of these uncommon situations apply" screen
5. Select "I took out this money because of a qualified disaster (includes COVID-19)"

If the option doesn't appear on the screen then please comment what your code is in box 7 on your 1099-R.

You’ll have three years to pay back the funds you withdrew, without the amount impacting that year’s cap on contributions. If you pay back the amount within that time, you’ll be able to claim a refund on those taxes paid when you file an amended tax return. Please see IRS Coronavirus-related relief for retirement plans and IRAs for more details.