Your plan may allow you to take a loan, but it's rarely a good idea to tap into your retirement savings. Withdrawals and the costs associated with taking a loan can dampen the positive effect that compound interest can have on your account balance.
In 29 years:
If you don't borrow, you could save $585,882 by the time you retire.
If you borrow $10,000, you could save $493,182 by the time you retire.
A loss of $92,700.