It's been a stressful time to have student loans. Between payment pauses and the courts disputing the legality of the Biden administration's SAVE repayment plan, there's a lot of uncertainty about what'll happen next.

As a student loan expert with more than 15 years of experience in the industry, I understand the uncertainty. I've witnessed my fair share of program changes, but I've never been through a period more complicated and tumultuous than the policy tug-of-war we've seen over the past two years.

With so many factors up in the air, how should you approach your student loan repayment strategy?

You can't control the fate of debt relief programs or income-driven repayment plans, but there are steps you can take to regain control of your student loans. Here are five things you can do right now — and one thing you shouldn't do.