Filly- you CAN get a hardship withdrawl- if it is a genuine hardship, and you meet the criteria. The rules are found here:
http://www.tsp.gov/uniserv/features/chapter12.html#sub2
However, if you are taking it out simply because you want to do something else with it, you might be far better off looking at other alternatives.
yes, you'll pay a substaintal penalty for early withdrawl, and you will also have a taxable event if you do end up taking out the money now. I suggest you think very hard about the pros and cons of making a hard-ship within service withdrawl.
What do you want the money for?
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