Hello Bigcaat,I can only say what I would personally do in this situation. I would get out now. Why wait nearly 10 months to save $76.00, 304-228=76. Investing in right the fund(s) could easily make up for the higher penalty.It looks like the funds have averaged around an 8% annual return, 1600/6000=.088, and most of this gain probably came in 1999. Be grateful the results weren't worse.I would consider this tuition and move on.Good Luck
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