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I've read multiple sources stating that higher education expenses are 10% penalty free, but you will pay income tax on it.

How is that not without penalty?

Am I misunderstanding?

If I understand correctly though, I can put my 401k into an IRA when I leave my job, and withdraw for tuition+books penalty free, correct? This is putting aside paying off the car for the moment,...

I'm 30years old and I am going to be going back to college in the fall. Financing is really tight, and monthly bills are my biggest concern. I have around 20,000 in my 401k right now, and I'm going...