Frances borrowed $14,000 from her employer's plan. When she left her employer in May 2020, the loan had an outstanding balance of $8,000. Without regard to the loan, her account had a balance of $35,000. She requested a total distribution from the plan. The amount was to be directly deposited to her checking account. She later received a Form 1099-R reporting a distribution of $35,000. What was the amount of her direct deposit when she requested the total distribution? $20,000 $21,000 $28,000 $35,000