bch820

I know, I know, there's a million articles about not doing this kind of thing, but in the face of all that wisdom, I believe i have a unique circumstance and want to cash out my 403b. I want to know the best way to get my money and appreciate any advice.

My 403b is with Vanguard, and on their site it only gives me 5 options for withdrawing my funds, none of which i qualify for. They are Retirement, Hardships, Attaining age 591/2, Roth Attaining age 591/2, and Roth Hardship Withdrawel. Am I precluded from withdrawing my money under the rules of a 403b?

I left my employer in July 08 and moved to England. I don't expect to have any US income in 2009 and my foreign earned income will only be £43K and thus not taxed. I have $22,000 in my 403b, so if that is my only taxable income in 2009, I should be in a low tax bracket.

I essentially want to use the money to pay off $15K in high-interest credit card debt. I've been paying it off at steady clip since last August, but want to be finished with having money in two countries, two currencies, etc.

I read somewhere that I may have to rollover the 403b to a rollover ira before I can cash it out, but am unsure of the rules.

Thanks for your help.

-Brian