Ugh, that sounds super frustrating! HR departments can be so unorganized sometimes. You can check your loan balance by logging into your SSS account online or visiting a branch. As for payments, I think you can pay SSS directly through banks or payment centers if your HR isn't handling it. You might also want to double-check how much should be deducted. there are tools like https://ssscontributioncalculator.com/ that can help with that. Hope you get it sorted out soon!