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Participants in 401(k) plans tend to take out more loans during the summer months, according to an analysis by Charles Schwab. Generally, requests for loans increase about 16 percent in those months, the report said. While the economy might seem like a likely culprit, Catherine Golladay, a vice president of participant services for Schwab, said a big reason that participants dig into their 401(k)s is the need for college funding for their children.