But imagine your interest rate on the 15K loan is 2%. And if you withdrew the 30K you’d first lose 10K to taxes, yielding only 20K. And you actually make money

But imagine your interest rate on the 15K loan is 2%. And if you withdrew the 30K you’d first lose 10K to taxes, yielding only 20K. And you actually make money on the 15K you were loaned by using it elsewhere.