Regardless of your opinion of President Trump, his administration, and the infighting in Washington, times like these present real financial challenges to Americans. Are we in for higher inflation or another recession? What will happen to interest rates? Will unemployment grow or shrink?

Everyone is feeling this uncertainty, particularly young people who are making investment decisions for the first time. Here are a few ways to take control of your money, and avoid making some common money mistakes.

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I left college with about $35-$45K in student loan debt. But my biggest loan—which was originally around $18K—had accrued so much interest, that even after paying the minimum for five years, it was actually at a little more than $20K. By the time it hit that amount, my husband and I realized we had to do something drastic to pay it off once and for all.

As an HR professional, you’re likely aware that many of your millennial and Gen X employees struggle with student loan debt. The average 2016 graduate has student loan debt of $37,172. Nationally, that debt is now over $1.4 trillion, which is more than the total credit card debt of all Americans.

Last summer, we surveyed 1,000 working professionals for The Impact of Student Loan Benefits, SoFi’s most recent white paper outlining the effect of student loan debt on employee recruitment, engagement, and retention. And what we found was telling: Employees want help alleviating the financial pressure of their student loan debt balances. In fact, just over 60% of respondents said that student debt is one of the top two most stressful financial burdens in their lives.

Luckily, student loan refinancing exists, and many millennial and Gen X employees are taking advantage of it. But what is it, and how does it help?