The OP said she “dipped” not borrowed.
Aren’t there certain times you can take money out without penalty, like 1st home purchase?
I believe you can also take money out at other times except you pay taxes on it immediately and a heavy penalty (20% ?) to the Feds for an early withdrawal.
I got the impression she did the early withdrawal w/penalty due to financial hardship. No repayment possible, unlike “borrowing” from your own account where the money has to be repaid to avoid the penalty & taxes.