Can You Borrow Against Your Retirement Plan In Pennsylvania? 
This is a pretty difficult question to answer in a forum like this . I highly recommend that you speak to a professionalone-on-one to completely evaluate your needs and to see if you can borrow - and if so , if it would be financially smart to borrow from a retirement fund . Feel free to contact me if you have no one else . To give you a little idea if you could however , here are some guidelines : Most retirement funds are NOT AVAILABLE to borrow from . If you have a Defined Benefit or a Cash Balance Benefit , you can not borrow from it . You can move your funds to a different account , with professional guidance to avoid penalties . But with these types of accounts , you usually can not touch until you retire . If you have a Profit Sharing account or a 401K - you MAY be able to borrow depending upon the rules of the company that it is through and/or the rules of the company you work for . Again , however , most will not allow you to borrow . If they do , typically you can only borrow 50 % of YOUR contributions -LRB- not what your company contributes -RRB- or $ 10k , whichever is less . Again , this is a very difficult and technical topic to get a solid answer here . Look me up if I can be of any further help . 