u/Aggressive-Series-67

My finances have been strained for the past few years and the biggest reason is my student loan payments. I have around 20k in student loans and a $300 monthly payment, this used to be doable but recent life events have made it near impossible to make the monthly payment. My previous employer had me set up a Voya account and I've been thinking about withdrawing money from it to pay back the loans, this is when I saw I have close to 1 million dollars in "total net assets". Does this mean I have 1 million dollars to draw from? I know the answer is most likely no, but I wanted to ask anyway. I am 27 years old and American, my credit score is within the 500's.