but my bank will not loan me enough to pay the penalty payment of 70,000 to pay off the loan in currently in with your company. I had to take a hardship withdrawal from my 401k in previous years to help keep a roof over our heads and food on the table and still I am falling behind. Can you please work with me or tell me how I can get out of this loan without paying such a large penalty. My credit score has already been damaged enough with your company as it is. I have an excellent credit score with everyone else and I am trying hard to keep it that way. Please help me.