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Nelnet Loans Customer FAQ

Top Answers & How-to Guides

What is Nelnet Loans's Phone Number?

The question we are asked most often is about how to talk to Nelnet Loans customer service. Click here for contact information, email and chat options, getting a live person, wait times and more.
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Recent Nelnet Loans Customer Questions

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Loan Eligibility and Types

What are the eligibility requirements for a Nelnet Loan?

To qualify for a Nelnet Loan, applicants must be enrolled at least half-time in an eligible program, be U.S. citizens or...

What types of loans does Nelnet offer?

Nelnet primarily acts as a loan servicer for federal student loans, managing billing and collections for loans like Direct...

How long does it take to get approved for a Nelnet Loan?

The approval timeline for a Nelnet loan varies and can take from a few days to a couple of weeks, depending on factors such as...

What is the process for applying for a Nelnet Loan?

Applying for a Nelnet Loan involves several steps. First, identify the suitable loan type, either federal or private. For...

Interest Rates and Payments

What is the interest rate for Nelnet Loans?

Interest rates on Nelnet Loans differ based on factors like loan type and duration. Federal student loans typically have fixed...

Can I defer or postpone my loan payments?

Nelnet Loans does offer the possibility to defer or postpone payments under certain conditions, like financial hardship or...

What are the repayment options for Nelnet Loans?

Nelnet Loans provides various repayment options like Standard, Graduated, Extended, and Income-Driven plans to suit different...

Can I change my repayment plan after my loan is disbursed?

Yes, Nelnet Loans allows borrowers to change their repayment plan after loan disbursement. Options include standard, graduated,...

Loan Consolidation and Deadline

When is the deadline for loan repayment?

The deadline for loan repayment varies by loan type and terms. Federal student loans generally start after a six-month grace...

Can I consolidate my Nelnet Loans with other loans?

Consolidating Nelnet loans with other loans is feasible, particularly with federal loans through the Direct Consolidation Loan...

How can I check my Nelnet Loan balance?

To check your Nelnet loan balance, visit the Nelnet website and log into your account using your credentials. If you don't have...

Loan Management and Effects

What happens if I miss a loan repayment?

Missing a payment with Nelnet Loans could lead to late fees and a potential drop in your credit score, impacting future loan...

Can I make extra payments towards my Nelnet Loan?

Yes, extra payments can be made towards Nelnet Loans, which may lower interest costs and shorten repayment time. Borrowers...

What happens if I declare bankruptcy while having Nelnet Loans?

Declaring bankruptcy while having Nelnet Loans can be complex, as most student loans, including those serviced by Nelnet, are...

Are there any benefits for paying my loan in full early?

Paying off a loan early can lead to savings on interest, enhance credit scores through a better debt-to-income ratio, and offer...
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