It hasn’t been an easy couple of years for student loan borrowers. Between multiple payment pauses and the courts disputing the legality of the Biden administration’s Saving on a Valuable Education plan, the fate of student loan forgiveness and other programs remains unclear. <!–> Elaine Rubin, a higher education policy expertAs a student loan expert with more than 15 years of experience in the industry, I understand the confusion. I’ve witnessed my fair share of program changes, but I’ve never been through a period more complicated and tumultuous than the policy…