Nelnet
reviews and complaints

I have managed to reach someone at Nelnet only two times in the past two months. They do NOT respond to email messages at all. Both times, I asked to have my due date changed and was promised it would happen. It did not. I also asked whether or not an early payment would satisfy the auto payment due if I paid two weeks in advance. I was told yes. They drafted my account anyway.

This is unacceptable. I'm going to figure out how to move my loan back to Great Lakes.

Disabled Vet trying to contact NELNET for loan forgiveness.
I waited two separate times on the phone for help (1.5 hour and 2 hour wait)
Only for the line to be disconnected by the call center
Justification,
1) Bankruptcy filed after Loan maturity.
2) Disable Vet supporting 3 children
3) Loan exceeds original amount even though I paid ~5k in payments
4) Applied for Bidens first Forgiveness program - No response back

i have been disabled since 2017. I’ve been collecting SSDI since then. i attended 1 quarter til disability.

i notified Osla and department of withdrawal. i was advised to send in disability discharge and award letter. Didn’t hear anything for 3-4 years.

Fast forwarding, i was told by Aidvantage that you reported me. nelnet doesn’t even have me in data base. how do i create acct when i’m not found?

i have sent several letters, sat on hold 2 hours to reach someone. i need my credit repaired. They are ignoring me. HELP

My doctor has signed many total disability forms, this place tells me my loans are gone and forgiven, then they say I have to pay 800.00 a mo. My ss check is only 700 and that's all I have to pay bills, I have many illness's and can not work.. This has caused me a lot of stress..! This place has really messed me over...!

From, mary schuyler,

112 bolton ave.,

Newark, ohio 43055

I submitted my application on the morning of September 14 and it is STILL pending! I have also asked them multiple times to take my loan out of in school deferment so that I could make payments under my old IDR plan while the application processes, but they have not done so. When I call...I am on hold for 3+ hours and then just get the run around. The email I through their form at the beginning of October has yet to receive a response. I need to be making payments that are actually DUE for them to count towards my PSLF progress.

I have not been able to reach anyone in MONTHS. my SAVE plan was never even acknowledged. Now I will be past due because I don't know how much I actually owe per month. I CANNOT afford the standard repayment. This is criminal and predatory. But Nelnet is STILL cashing in on the interest. Nelnet should be absolutely ashamed. I want my loans forgiven.

I was approved for Defense borrow act to have my student loans forgiven 100% I am still being charged for them right now I have made two calls that were successful over time and was told that the consolidated loans take longer well I have a parent plus loan that I am trying to get lowered but my student loans are being calculated as well I have just called Nel net again was on hold for 1 hour and 41 minutes no one ever answered this is ridiculous over and over while waiting all you hear to pay your student loans get it together they knew this day was coming

I recently found out that I was a cosigner on student loans from Nelnet. After several attempts to talk to someone, I am now trying to reach someone to help me. I have filed a report with the police department and was told to contact you to make you aware of this and get a copy of the original applications. The way I found out was when I applied for a credit card and was denied, I then contacted the credit bureaus and when reviewing the documents saw all the student loans on there. I did not agree or sign for any loans. Would someone please contact me at [protected]. I have to get this matter resolved. The police are waiting for your report and copies of the applications.

I can give you further information at this time.

Thank You Dominic J. DeSpirito Sr.

Pre-2020, I consolidated my student loans and Fed Loans then sold my student loans to NelNet. My Balance at that time was $199,785. Moving forward to February 2023, I was awarded reimbursements (See attached documents) a refund from 2 universities, under the Approval of the Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement. Nelnet was notified by the government and received funds, which they verified with me was the case on 2 calls with them on 7/18.2023 (Collette:5:14PM MST) and on 8/2/2023 (Travis:5:16MST). The reimbursements were provided to Nelnet. The totals amounting to just under 40K. In July of 2023, Nelnet increased my balance due to around $242K, from the original $199,785, which it had been since the consolidation pre-2020. Since 2020, the government had put a hold on interest, fees, and payments, all due to the covid 19 pandemic. With this said, the balance should have remained $199,785 and the NelNet representatives agreed with me. However, it did not, and they cannot provide me an exact time when this will be corrected. To talk with a rep, I must remain on hold for 2 hours, each call made. After the balance increase, Nenet provided the large payments to my account (See attached docs), thereby reducing the amount owed to the original balance of $199,785. Therein, they kept the credits as their profits (Profit Skimming). This is a gross abuse of their power as a government backed student loan servicer. I have tried and tried to get them to correct this, to no avail. I will now file complaints with BBB and the government, until I am credited what is due to me. Please take caution, when considering Nelnet as your student loan servicer. I never had an issue like this issue with Fed Loans.

They charged me an extra over $3500 on my account. I tried to call them and they were unresponsive and inattentive. It is quite obvious that my school refunded the money and NelNet was just not aware enough to do their part. They are incredibly disorganized which is the last thing that you need when you're dealing with great sums of money. I no longer trust them at all and I highly recommend that you do not trust them either!

I've tried to call them for a week now and have been consistently on hold! No joke they said the hold time for customer service is 90 minutes (7/24/23 7pm). It such a simple question that's NOT available on their website.

It was just as bad every day the week prior. I got stuck with these folks and I am NOT happy. They don't even respond to email request for information either. (Friday 21, Saturday the 22, Monday the 24th)

I have tried working with Nelnet, sent documents in mail, upload documents to their website. I was told I would be put on an income base plan and then they never send me anything for months, Then I am told I 'm on a deferrment. When I asked why I could not get an income based plant, they tell me my income is too low and does not qualify. this has been going on for years now. I have worked hard to repair my credit and within 60 days Nelnet destroys it. I make $25k a year and they want me to pay them $1500 a month, that more than 70% of my monthly income. I am on disability, but they wont accept any documents I send them including my doctors letter.

Nelnet is using strong arm tactics to try to get money out of me, a 70 year old woman, below poverty level. When I was working part-time years ago; I had $0 IBR. Now I am retired living below poverty level, they refuse $0 IBR and they want me to pay them a staggering $138 per month. My income is only $10,608 per year, 2 of us living on that. Non-taxable income: small social security and small disability check. They say I am behind in payments and I owe them thousands of dollars. They reported it to the credit bureau. I told them I have no money, I own nothing: no will, no insurance, no stocks, bonds, pension, cash, jewelry nothing. They do not care. I own no home.

They keep harassing me by phone, email, mail threatening me with their collectors to get the money from me. What money. Soon as I turned 70, every bill collector, student loan people harassing me day and night. They know I am below the poverty line, they do not care. This is crazy. Maybe they think I will kick the bucket and they can take estate money. I have no estate. Maybe they think the old beat up mobile home I live in, and 19 year old car is an estate. I have more bill collectors pounding on my door for old debt pass the statue of limitations. Yep! Old people are easy to harass and shake down I guess.

I had uploaded my request for an IRB with my app and letter stating I am not working and no longer receiving reemployment assistance on July 12, 2022. I had received an email today noting I was past due for Aug 1st payment. I went into my inbox on Nelnet.com and did not see any evidence that the upload went to them. I called and the rep told me she doesn't see the docs either, but I could email them to the company, I did. I uploaded them at least 5 times. She noted to me I may receive grace by choosing one of the 2 forbearances until they review the docs which could be awhile which I am getting penalized for their mishap with IT. If one looks at my record of uploads, one will see I am usually 2weeks-- 3 months in submitting an IRB app along with a letter. This is NOT taken into account though with them and they too now have begun playing the game like Navient did until they were brought to court as I explained to her. I choose to not take any forbearance since this issue is on their end.

My account used to be with department of education and was sold to Nelnet without a letter from the department of education. I called them back in November explaining that I have not been working in over 3 years because of severe migraines and was diagnosed with diabetes in November. Was told that they could help me. What a joke. All they did was raise my interest rates.

I sent in a doctor's report that Nelnet sent to me for discharge of my lone. I have not heard back about what is going on with my lone. your automatic person on the phone when I put my information in it says it does not match your records but I have a letter with account number 3084202. If this is how Nelnet handles its business no wonder I can't get anything done. I want to know when you are going to dismiss my lone's. The doctor filled out all the paperwork for total disability.

NELNET failed to process and total disability loan forgiveness loan. This started in November of 2018 where I contacted NELNET to have a total disability loan forgiveness processed. They first failed to give me complete information needed to get fogiveness and I followed what I was suppose to give NELNET. They then denied the forgiveness because I had followed the process and forms instructions which did not say I had to have a particualr form and NELNET did not state they needed the form I immedicately contacted them about htier failures so they gave me until Feb 2019 to get them the form, Which was sent feb 2019. NELNET then denied hte form saying they didn't like the doctor who signed it and NELNET waited unti lApril to tell me they did not like the doctor who signed my form and resent me the form again. THe form was returned and Again NELNET stated they didn't recieve the form however it was not only mailed by me but faxed by the doctor. In JUne of 2019 again NELNET stated they recieved no forms and sent out new forms to me and my doctor who again faxed and I resent by mai. To again, NELNET stated they recieved no forms, yet the NELNET did not inform me of this and supposedly denied the forgiveness of hte oan without telling me or doing anyhting. NELNET recieved the form in December 2018, Feb 2019 April 2019 JUne 2019 and all the forms were CORRECT! NELNET failed to process and dropped the ball several times that now department of Educaiton and federal Student aid are using NELNET failure to process as a means to deny me the return of garnshed social secuirty payments using the NELNET failure to process letters where NELNET places the blame on me for NELNET failures . this is not going to go well for NELNET or deparment of Ed or federal Student aid for failing to return those garnished payment. THe loan was forgiven after numerous complaints filed against NELNET however the deparment of eduation is not returning the money and is using NELNET failures to rpocess as thier excuse even though departmnent of ed now gives forgiveness and doenst make a person go thorugh two years of hell and money stolen whilese NELNET fails to process.