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Laid Off at 58 With a 401(k) Loan, She Thought She Had 60 Days to Replace the Money. The Tax Code May Give Her Much Longer.
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FOMOGRAM Editorial Desk
Aug 8, 2026
EXECUTIVE SUMMARY
Most workers remember a 60-day clock ticking the moment they leave a job with an unpaid 401(k) loan, but the rule many people actually face works nothing like that warning, and the difference could save tens of thousands of dollars in taxes and penalties.
Most workers remember a 60-day clock ticking the moment they leave a job with an unpaid 401(k) loan, but the rule many people actually face works nothing like that warning, and the difference could save tens of thousands of dollars in taxes and penalties.
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