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 directly deposited to her checking account. She later received a form 1099 R reporting a distribution of 35,000. What was her amount of her direct deposit when she requested the total disribution? 20,000, 21,000, 28,000 or 35,000.