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An unpaid loan against a qualified plan will be deemed a taxable distribution, subject to a 10% penalty unless you are age 59 1/2. You should count on paying regular state and federal income tax (at your rate) on this amount plus the 10% if applicable.
The taxable distribution would be taxed at your ordinary income tax rate. If you are in the 15% bracket, you would pay 15% in income tax on the $3,056.