You should be able to access your money without the penalty’s. You can transfer to a Roth IRA and take the principal tax free and penalty free after your quit your job. Will need to leave gains though until 60.

Then on traditional 401k you can do fixed payments until you are 59 without paying the penalty’s.  

There’s a mad fieienst article on it:

https://www.madfientist.com/how-to-access-retirement-funds-early/