To get started producing payments on line, stick to these three simple measures:

1. Create an Account on Nelnet

To enroll in a merchant account, check out “Register” on household display screen. The web site will prompt one go into the after information:

  • Personal safety amounts
  • Big date of birth
  • Current email address
  • Login
  • Password

May write a security alarm problem to verify their personality.

2. Identify Your Loan

Once your membership was triggered, you’ll be able to select your loan and timetable an amount. If you could make onetime payments if you would like, it smart to set-up automated charges. Any time you take autopay, Nelnet provides you with a 0.25% monthly interest promotion. After a while, the price cut will let you help you save a lot of money.

3. See How Transaction Get The Job Done

When you have more than one education loan with Nelnet, it crucial that you know how your repayments happen to be given. So long as you pay significantly more than flow from, Nelnet will utilize the extra payment to the funding aided by the highest monthly interest. Once that financing happens to be reduced, Nelnet will utilize any additional transfers toward the borrowed funds on your after that finest rate of interest. Should you wish to adjust just how payments include used, it is vital that you communicate with Nelnet and then make particular paying instructions.

About Nelnet

Nelnet would be based in 1996 and its situated in Lincoln, Neb. The firm has much more than 6,500 employees in workplaces nationwide.


Nelnet is probably the big mortgage servicers in the usa and contains become the main topic of some conflict. In buyers Investment coverage Bureau (CFPB) 2019 Student Loan Ombudsman document, the CFPB stated that they completed 5,000 national education loan issues between Sept. 1, 2019, and Aug. 31, 2020. About 14percent among those problems happened to be about Nelnet, allowing it to be very frequently noted businesses.

Class-Action Lawsuit

A class-action lawsuit would be submitted against Nelnet in June 2020 by way of the Domina regulation class on the behalf of five education loan applicants. In the complaint, the consumers say that these people sustained if her income-driven compensation prepare purposes happened to be mishandled.

If you have federal figuratively speaking maintained by Nelnet any kind of time cycle around the previous four years before Summer 2020 or immediately following,

  • Were enrolled in an IDR structure;
  • Submitted a loan application to continue the plan punctually;
  • Had your application at some point approved; and
  • Received your own IDR momentarily terminated by Nelnet whilst software ended up being impending.

Simple tips to Phone Nelnet

You’ll consult Nelnet service department by cellphone by contacting 888-486-4722. The phone call center are available tuesday through weekend from 8 a.m. to 10 p.m. s’avi?re i?tre. You can even attain support service by completing a secure mail version on Nelnet web site.

You can easily email common correspondence—not their payments—to a adhering to two contact:

People of California – Nelnet, P.O. Container 82578, Lincoln, NE 68501-2578

Citizens of most additional states – Nelnet, P.O. Box 82561, Lincoln, NE 68501-2561

In the end, you can fax 877-402-5816 or e-mail WrittenRequestnelnet.

Is Actually Nelnet Your Own Only Servicer Solution?

With national education loans, you can’t select the loan servicer; the first is allotted to one. If you’re unhappy with the loan servicer you’ve, there are only three ways to discover a new one:

1. Merge Your Personal Loans

If you’d like to simplify your loan expenses and expand the payment phrase but maintain financial products in national mortgage technique, you may merge your financial troubles with an immediate relief financing. Once you combine your very own loans, you can actually lengthen your own payment phase to up to three decades, and you’ll see a funding servicer.

Their financial products shall be blended into one, the monthly interest throughout the newer loan will be based about weighted ordinary of newest financial loans, curved around the closest one-eighth of just one percent.

2. Follow Public-service Money Forgiveness

If you benefit a nonprofit planning or national institution professional, you may well be qualified to apply for public-service Loan Forgiveness (PSLF). If you are planning to apply for PSLF, alert Nelnet. Once you do very, the organization will move your financing to FedLoan maintaining, the specified PSLF mortgage servicer.

3. Refinance Your Debt

If you are disatisfied with your loan servicer and ready to lose federal advantages for example accessibility income-driven payment (IDR) schemes and loan forgiveness, another way of think about is definitely education loan refinancing. As soon as you re-finance your own financial loans, we combine the debt with a personal lender. The funding has actually different ailments, including payment name, monthly interest rate, and minimal payment per month. If you opt to re-finance the financial loans, take a look at our listing of a replacing creditors.

As one of the biggest federal loan work, Nelnet is equipped with a history of some difficulties with consumers. But you’ll decrease dilemmas by finding automatic money, keeping good lists, and speaking to Nelnet overnight if you see any mistakes together with your profile.


Investopedia happens to be dedicated to supplying clientele with fair, in depth feedback of education loan creditors. Most people obtained over 45 facts details across over 15 lenders—including finance interest rates, costs, money amounts, and repayment terms—to be sure that our very own information may help individuals boost the risk for best borrowing choice for his or her degree desires.