It's been awhile since I've done it, but at the time you could "borrow" up to $50,000 from your account and pay it back through payroll deductions over 5 years at 6% interest. The numbers may not be exact but that's the general idea. Also, the money had to be for specific uses like tuition, home additions, etc. I don't remember who I called to set it up, but I would guess Vanguard.