I am taking a $10,000 hardship loan and want to have them take out the taxes up front so I don't owe anything at tax time. What should I have them take for federal and state (Illinois)?

Thanks

The IL income tax rate is a flat 5%. Are you sure the administrator is willing to be told by you how much to withhold for taxes? In most cases when you take a withdrawal they will automatically withhold 20% for federal taxes and nothing for state taxes. Whether 20% is sufficient to cover federal income taxes plus the 10% early withdrawal penalty is impossible to say - it depends on your tax bracket.