Student-loan borrowers are facing an uncertain second half of the year.H. Armstrong Roberts/ClassicStock/Getty ImagesStudent-loan borrowers are waiting for answers on the fate of repayments and debt relief programs.A GAO report found less than half of borrowers with monthly bills greater than $0 are current as of January.Legal challenges and the end of the on-ramp period could change the repayment landscape once again.The past year has been filled with uncertainty for student-loan borrowers, and that's unlikely to change anytime soon.As millions of federal borrowers emerged from the pandemic, President Joe Biden's administration installed a range of measures — some temporary and some intended to be permanent — to ease the repayment process.Starting with the over-three-year pause on student-loan payments that ended last fall and continuing with various debt relief efforts, millions of borrowers have made progress or received loan forgiveness.