Well, regardless, take the unemployment - this is what it's for.

AS for borrowing from your retirement - there are some tricks to this, but I can't remember what they are! I'd google around for more info.

Also - think creatively about ways to either increase your income or decrease your expenses. I highly recommend the book Tightwad Gazette by Dacyzyn.

You can't work AND collect unemployment, but perhaps you could get a room mate? Sell that unnecessary extra "stuff" on eBay?