i am paying back a loan and that money is being put into pretax, aftertax and pretax catchup buckets by the investment co. some of their reps tell me that the loan came from all 3 sources. however, according to the irs, loans from 401k's should come from pre-tax dollars. what is going on here? were the irs representatives correct in saying that all loans should come from pre-tax dollars????

also, a rep from the irs told me that while the paid-back principal of the loan is put back in the pre-tax bucket, the interest that i am paying on the loan should be put into the after-tax bucket and cited pub 535, page 17, lower right hand corner, as her reference. is she correct?