SSS salary loan and Calamity Loan

Mejo off topic. gusto ko lang po itanong kung may option ba na wag ikaltas ung calamity loan kung mag aapply ako ng salary loan?? sino po naka experience non?? nag ttry kasi ako mag apply ng salary loan tas may existing calamity loan ako.. tapos instead na 40k mkukuha, mgiging 20k n lng kasi ibabawas ung calamity loan.. ganon ba talaga??