Is a loan not an option?
Is the bulk of the money K money, or employer money. You can have in-service withdrawals at almost any time of ER money (still subject to the 10% penalty tax).
Don't forget, with a Fact & Circumstances pattern, ALL resources reasonably available to the participant must be exhausted first. The EOB mentions a vacation home. I've read that brokerage accounts, boats not needed for work, and other investments are fair game.
From the EOB, the participant must put in writing that the hardship cannot be alleviated by: