Before I raided my piggy bank, I'd look long and hard at why I needed the money. You haven't stated what you need it for, which is curious, since you're posting under a pseudonym here.
If it's something that is a bona fide need instead of a want, explore if there are other ways to get the money. Rich people start businesses with Other People's Money, not their own, for example. SBA loans are another. And though you've refuted it, you could still borrow for your child's college and consider it temporary. Student loans are still a comparatively cheap source of $$, especially if you pay them off relatively quickly.
Best of luck to you, whatever you decide.