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Nelnet reviews first appeared on Complaints Board on Jan 7, 2009. The latest review Total disability loan forgiveness was posted on Sep 24, 2021. The latest complaint destroyed my credit report was resolved on Jan 11, 2014. Nelnet has an average consumer rating of 3 stars from 58 reviews. Nelnet has resolved 24 complaints.

Nelnet Customer Service Contacts

+1 888 486 4722 (Customer Service)
+1 303 696 3625 (International)
P.O. Box 82561
Lincoln, Nebraska
United States - 68501-2561
Mail Accounts Starting With An "E" To:
Department of Education, P.O. Box 740283, Atlanta, GA 30374-0283

Mail Accounts Starting With An "D" To:
Nelnet, P.O. Box 2970, Omaha, NE 68103-2970

Mail Accounts Starting With A "J" To:
Nelnet, P.O. Box 2877, Omaha, NE 68103-2877

Documents Related To Deferment, Forbearance, Repayment Plans, Or Enrollment Status Changes
Attn: Enrollment Processing, P.O. Box 82565, Lincoln, NE 68501-2565
Fax: +1 866 545 9196

Documents Related To Loan Discharge, Forgiveness Claims & Bankruptcy Claims
P.O. Box: 82505, Lincoln, NE 68501-2505
Fax: +1 303 696 5518

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Nelnet Complaints & Reviews, Page 3

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
Nelnetfraud

I have been sitting on hold now for 35 minutes waiting to get through to Nelnet. Their harrasment started about 2 months ago, the fact that they were paid off 3 years ago for a loan that was not valid has not stopped them from robo calling us at all hours of the day. I thought it was illegal to call someone at 7:00am. Dealing with Nelnet was the worst experience of my life. Do not get involved with them they are liars and so vile, there are no words to describe them. Save yourself a lot of heartache and do not deal with Nelnet, they are ###.

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    6 Responses
    • Ly
      LyndaAnne Aug 06, 2015

      I was simply trying to set up a payment plan for Fall classes which hadn't even started yet. I used a credit card for the auto deductions. It expired, so I tried to use a new card and have them run it again the day it was due at 3pm. They said they would not run my payment twice and that I now owe $30. How does anyone who works there live with themselves? They have the worst web site. For as much money as they steal, they must have enough for a user friendly web site, so I can only assume it is intentionally bad. They sent me an email stating :

      "In accordance with your NBS agreement, a $30.00 returned payment fee will be assessed for each payment attempt that is returned. The $30.00 returned payment fee will be automatically deducted from your account within 10 days of the date on this letter.

      You may view your account balance, payment amount, and manage your account at www.mypaymentplan.com. Select Account Setup to create your own username and password. For verification by phone or online you will need the Agreement Number, Access Code, and Institution ID located above and to the right of this letter.

      Do NOT reply to this message. Replies will not be read.”


      However, I was NEVER given a NBS agreement. When you visit the web site, and review every page available, there is absolutely no record of a NBS agreement. I have nothing but emails directing me to visit the site for answers to questions.

      HERE’S THE FIRST EMAIL THEY SENT:

      e-Cashier Registration Confirmation

      You have successfully completed your payment registration on e-Cashier for City College of San Francisco, Fall 2015. Your payment arrangements will be confirmed by e-mail or letter.

      Your agreement number is XXXXXX.

      The nonrefundable enrollment fee for this agreement has been processed along with your down payment, if applicable.

      If this payment fails, this agreement will be terminated.

      Please remember your monthly payments will be processed automatically.

      Thank you.


      Nelnet Business Solutions

      [protected]

      [email protected]


      HERE’S THE NEXT:

      Nelnet Business Solutions Confirmation Notification

      RE Student: Lynda Williams

      Dear Lynda Williams,

      June 10, 2015

      Thank you for using Nelnet Business Solutions to make your payment for City College of San Francisco. The person responsible for payment on this agreement is Lynda Williams. The total balance due is $485.00. Your down payment and enrollment fee of $115.00 has been processed. Please note: If your down payment attempt fails, your agreement will be terminated and you will be required to reenroll through e-Cashier or make immediate payment to City College of San Francisco. Your first payment in the amount of $97.00 is scheduled for August 5, 2015. Payments will be processed automatically until the balance is paid in full from your credit card account with VISA.

      In the event a payment is returned unpaid, you will receive notification from Nelnet Business Solutions stating how the returned payment will be handled. All remaining scheduled payments will continue as per your agreement.

      A $30.00 Nelnet Business Solutions Returned Payment Fee will be automatically assessed to your account.

      You may view your account balance, payment amount, and manage your account at www.mypaymentplan.com. Select Account Setup to create your own username and password. For verification by phone or online you will need the Agreement Number, Access Code, and Institution ID located above and to the right of this letter.

      This confirmation notification is based on the terms of your original agreement.

      Please keep this confirmation notification for your records.


      Do NOT reply to this message. Replies will not be read.


      Let us review their “communication” again.

      First email:


      Let us review their “communications” again:

      First email:

      "In the event a payment is returned unpaid, you will receive notification from Nelnet Business Solutions stating how the returned payment will be handled. All remaining scheduled payments will continue as per your agreement."

      Second email:
      "In accordance with your NBS agreement, a $30.00 returned payment fee will be assessed for each payment attempt that is returned. The $30.00 returned payment fee will be automatically deducted from your account within 10 days of the date on this letter.”


      Is this sketchy or what? Never mind, I have never received a NBS agreement. Look how vague and misleading it is. If the NBS agreement was presented during the registration process, I was never given a copy of it. EVER. I did not realize at the time I was supposed to memorize it. The point is that they intentionally use poor communication, unfriendly web sites, discourteous customers service goons, and thug like tactics. They have already been exposed:

      "Nelnet had a whistle blower that turned them in for fradulent activity with the Government, from what I see on the internet to the tune of 55million.” https://www.change.org/p/nelnet-gouges-government-and-pays-citizens-still-paying#?opt_new=f

      How much more proof do we need to present before these crooks are shut down?????

      I dropped the classes so that I wouldn't have to do business with them. I'll just wait and register if/when I can pay cash up front.

      0 Votes
    • Ja
      jacqueline morales Feb 01, 2013
      This comment was posted by
      a verified customer
      Verified customer

      I Have request on several occasions information about my student loan through Nelnet, and have been told that i can not get information that i have to go through the school. The school is the why i am requesting the information. I feel that The school that i am attending owes me a great deal of money and i have yet to receive any money due from money left over from my loans. The school will not speak to me about this matter, i went on my school site and all my records are gone. I am requesting all financial document pertaining to my student loans.

      1 Votes
    • Da
      Dan In Colorado Springs May 03, 2012

      My Name is Dan after 22 years Nelnet says i owe them app 7000$$$, I have sent them 3 different US Certified Mailings claiming that I have already paid my school debts, & that I am disputing their claim that I owe the money that they say. Here is the kicker after 20 years i have found the actual check stubs for my payment on the original loans(which were SLS and Unipac parent plus loans). I had O and I repeat O contact from Nelnet or any other Loan companies from 1992 through 2010. I actually faxed a copy of the check stubs(Money order copies from the United Bank of Denver, and a receipt from my school saying that balance was paid in full... Here is the punch line after I faxed these proofs, I have never heard back from Nelnet, and the have garnished my 2011 Federal and Colorado State tax returns with NO warning and NO DUE PROCESS. Also Nelnet continues to smash my credit!!! I have requested a copy of the actual student loans and a copy of any and all contractual paperwork affiliated with the so called debt that they say that I owe!!! Heres the only thing they have provided me= A copy of my signature from back in 1991, THEY DID NOT ACCOMPANY THE ACTUAL CONTRACT OR A WRITTEN EXPLANATION OF THE AFFORMENTION DEBT-(ONLY A COPY OF MY SIGNATURE). Please help!!! I have requested a formal hearing with Nelnet In Person at a table, with proper representation for them and myself. Again 0 contact!!!

      Dan In Colorado Springs

      0 Votes
    • Ni
      ninamarie Dec 07, 2011

      Document any illegal collection attempts and notify your attorney general's office. Also, take them to small claims court with documented evidence of their illegal debt collection tactics and you could be awarded up to $10K per infraction.

      -1 Votes
    • Nn
      NNGeoff Aug 02, 2011

      mrsgrub-Hello my name is Geoff and I help monitor social media sites for Nelnet. I would like to see your issue resolved. Please do not post any personal information on this site, but if you would send and email to [email protected] with the subject of NNGeoff I be happy to assist.

      0 Votes
    • Do
      Doris Mar 13, 2011

      PLEASE sign the petition on Change.org we are being cheated and lied to. Look at all the complaints !!! 2 years of paying with no receipt of any kind, doctor signatures being ignored, mismanaged greed.
      http://www.change.org/petitions/nelnet-gouges-government-and-pays-citizens-still-paying#?opt_new=f
      I have put this on facebook, twitter and you can sign the petition at Change.org

      0 Votes

    The complaint has been investigated and
    resolved to the customer's satisfaction
    Resolved
    Nelnet.comcancelled loans

    I took out a loan while I was attending axia college of university of phoenix (online) 2010. The loan was for 9500. I was paid 1228. From the loan as funds earned by the student. The other portion of the loan 8285. Was sent back to the direct loans because I withdrew. The loan funds was then sent to nelnet.com where nelnet claims the funds were canceled and that axia online college canceled the funds. There are no federal provision given a school the right to cancels out a student's loan without first notifying the student or given the borrow the chance to do such. I never gave notice or authorization to cancel out any portion of my loans. And I have been enrolled in school since 4-4-2011. Nelnet.com does not no the federal regulation, and keep saying the school had the right to canceled out my loans just because I withdrew from there college.

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      2 Responses
      • Ba
        baross11 Aug 30, 2011

        A school can provide information to the lender that will cause your funds to be altered or canceled. If you are no longer enrolled in school, you are no longer eligible for the funds that have not yet been disbursed. In your case, your disbursements you had yet to receive were "canceled" due to no longer being eligible, since you withdrew. I may be confused by your compliant, but are you saying you wanted the funds you were no longer eligible for? I am not sure where you receive your information, I would be curious to see it. If you review the Common Manual which regulates student loans then you will see the federal regulations that states a school can return/deny the incoming funds if you are no longer eligible. Look in section 7.7.K http://www.nchelp.org/elibrary/index.cfm?parent=29

        0 Votes
      • Ec
        ecooper35 Jul 18, 2011
        This comment was posted by
        a verified customer
        Verified customer

        We are researching this industry and we are hoping you might contact us.

        e-mail: wgadal (at)gmail.com

        Thank you

        0 Votes

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      Nelnetpayment problems

      I took out a minimal amount of loans to pay for undergraduate and graduate work and I am now trying to pay them down ahead of schedule. When my loans were with Direct Loans I could easily make additional payments that went directly to principal. Since my loans were bought by Nelnet, I have not been able to do this.

      I have written special instructions and sent in paper checks requesting that money be applied to the principal of a specific loan group (my highest interest loan). When they advanced my payment instead I called and complained and they said it was applied to principal...even though the information online says otherwise. When I tried again, over the phone they said I had to use their online service. When I go to select the "Do Not Advance Due Date" button on the online payment form it is impossible to select it.

      I've called Nelnet many times about these issues and they have yet to give me a solution. As of now, it is my plan to just save up money and simply send in a big check once I can pay off each of the individual group loans.

      Nelnet is making it very hard for customers to pay loans off early because they stand to make an enormous amount of money when payments (including interest) are spread out across an entire 10-year loan period.

      payment problems

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        2 Responses
        • Sa
          Sarah.H May 02, 2013

          You can only pay to the principle balance of the loan if it is within 120 days of its disbursement. Once you're outside of that time period, your payments will always go first to the oustanding interest and then to principle. You might want to check the disbursement dates to see where you are in relation to that time period.

          0 Votes
        • So
          Somethinsfishy May 01, 2013

          I actually thought I wrote this message a had to double check the name. Nelnet is ridiculous and told me that you can never apply extra payments to principle only. I used to underwrite loans. That is bogus information. Try to spread the word!! I think I'm going to contact my public radio about this and try to get a show on the issue. It's bad enough that most of generation is inundated with student debt, but to not have the right to actually pay it offer without benefiting the servicing company?! That is ridiculous! Thanks for getting your voice out there!! If you call them they will rework your loan. I call them after every payment.

          0 Votes

        The complaint has been investigated and
        resolved to the customer's satisfaction
        Resolved
        Nelnet / Student Loansfraud

        Dont set up a kwikpay account with nelnet. They ignore inschool deferrment and just go ahead and charge your account.
        Ignorant manager claims that since school was closed for winter hollydays i did not qualify for inschool for that time. Refused to return money. No apologies. Had to go to bank and file a dispute for the 4 months for which nelnet charged my account. Stay away from nelnet.
        Class action anyone?

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          2 Responses
          • I2
            i2i Aug 02, 2011
            This comment was posted by
            a verified customer
            Verified customer

            I agree with the point you have made about buying American made products, it keeps the money here at home and someone employed.
            Wake up consumers, your spending habits are a more powerful weapon than you may think.
            One individual may not change things, but a group of individuals can. Your money is a powerful weapon.

            0 Votes
          • Ad
            adcm Apr 13, 2011

            Hace problems with nelnet myself. In school deferment was completely ignored, instead for 4 months the infamous company charged my account because I had Kwikpay. Kwikpay was only supposed to kick in when I had no deferrment.
            No apology from nelnet. Instead they refused to return the payment, had to go to the bank and file a dispute.
            Additionally ignorant manager of nelnet claims that for the month of December I owe a payment. It is not true because the semester ended on December 19, 2010 but winter semester started on January 5, 2011. I was already enrolled for Winter 2011. Nelnet claims that because the school was closed due to winter holidays I was not in school.
            I would be willing to go for a class action lawsuit. Can help with it because I have a law degree.
            Should be all somehow get together? Egypt anyone?

            0 Votes

          Nelnetinterest rate

          Nelnet nust be audited to look at their practises. I continue to pay my loan yet the interest rate constantly changes. I am never informed of the change nor the reason. To make matter worse when i look at my account, it states fixed rate of 3%. Recently i filed chapter 13 repayment plan. I was told interes rate was 7% after filing i now see they lower it back to 3% is this legal?

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            Nelnetstudent loans

            Nelnet is a horrible company. The U.S. Department of Education (Direct Loans) & other lenders sold ALL of my loans to Nelnet. Within 8 months...

            -I was told I was no longer in my 6 month grace period, even though I had only been out of school for approx. 3 months. There was nothing I could do about this, & I had to start repaying my loans. Legal documents were not sufficient enough evidence.

            -Because they had started charging months before what was expected, they had sent my bill to my parent's address, not mine. I never knew I even had to repay anything at that time (neither did my parents), so I was 1 month late (half my fault, I will admit). We all thought it was just their typical bill, but not really a bill bill (saying you owe them money just not yet). What bothered me, however, was when I paid my current amount due & my missed payment, they DOUBLED my monthly payment. Apparently, they were under the impression, that because I could pay that then, that I could afford that every month. My mistake...don't make the same.

            -The round & round & round about with Nelnet. How I love being charged late fees & told that I never made a payment, only to go online to my bank & print off a copy of the check THEY CASHED, & send it back to them. Then, after this happens, you never receive the next month's billing statement. You have to make sure you go online to pay, or you will get "legitimate" late charges...probably the whole game. This has happened twice.

            -It is incredibly hard to find deferment forms & other information of the like on their website. I wonder why. When you do find the links for this information, the pages won't load. I wonder why. I try these pages on several other computers, all times of the day & night, different locations, & different internet connections & still these pages almost NEVER load.

            -When I was going back to school, I could not get the In-school loan deferment form to load. I tried & tried & tried. So, I had to email the company. Oh, they sent me an email back, an email that required me to sign up for some odd email service in order to access my email (Voltage). It looked like a scam. The interesting part about this, is they send me all kinds of emails with all sorts of personal information to my gmail account, but they couldn't send me a deferment form which contained no personal information whatsoever?

            -Prior, to sending me the deferment form, they had kept emailing me back (to my gmail account), saying they had no record I was in school. Yes, I know, that was why I was asking for the form. Finally, after the fourth email they sent me the form, just made it very difficult to access, and disguised it as a scam.

            -I had to send in my loan deferment forms TWICE, before they "received" them.
            -After they received my loan deferment request, finally, they deferred ALL, but TWO of my loans? HUH? Odd, considering, I can view ALL of these loans on the SAME page. I am still wondering why I still have 6 separate payments from the same company, even though I have requested otherwise, but that is a different matter that I will have to address...AGAIN & probably again. What is also interesting, is that I only had 4 separate payments before I sent in the deferment request. It appears they tried really, really hard to make me think all of my loans had been deferred, by saying that 4 had been deferred when I only had 4 to begin with. Now, I have 6, 4 deferred & 2 still in repayment, but still owe the same total amount. Is this legal? This can't be legal. I am not mistaken. I had 2 full Nelnet loans & 2 US Dept of Ed. loans serviced by Nelnet before (paper statements to prove this). Now, I magically have 4 US Dept of Ed loans serviced by Nelnet deferred & 2 full Nelnet loans still in repayment. The repayments on the 2 Nelnet loans have doubled...AGAIN...& my late charges have increased. This must be illegal.

            -I was notified by Nelnet my loans had been deferred...awesome, until I got a letter from HESC stating that my loans were about to go into default. Sure enough, I went into my Nelnet account & found Two of my loans, the two at the bottom of the list, were still in repayment while the rest were deferred. They were still collecting late charges. Nelnet never sent me a paper statment, nor sent me an email-statement (like they ALWAYS, ALWAYS, ALWAYS used to) for these two loans. I never received any notification whatsoever about these 2 loans.

            -Now, I absolutely know, that my current school loans (Direct Loans), are not being handled by them (currently), & I am going to do everything that I can to make sure they never get a hold of them.

            I have read about all kinds of lawsuits against this company for illegal practices...not surprising...at all. I, myself, am contacting the ombudsman, if Nelnet chooses to be difficult as always. All this within 8 months...?

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              7 Responses
              • Me
                Meatball1974 Apr 10, 2016

                Nelnet was bought out by M and T Bank--They have been following me all over the place for the last 4 years! I always see some fuking idiot with Maryland plates on my six--what a bunch of blood suckers! Someone has to do something about the practices by M and T bank since they rip everybody off with their overdraft fees and I am sure the FBI has undercover people working in their midst and their crooked idiots at the top just keep over the American Public, primarily the poor student borrowers! I hope you piss off the wrong borrower and you get screwed in court you bunch of crooks!

                0 Votes
              • Ta
                Tamvi Nov 07, 2013
                This comment was posted by
                a verified customer
                Verified customer

                I'm very frustrated with Nelnet's shady business practices and ridiculous interest calculations that make no sense. After over three years of paying on my student loans that are serviced by Nelnet, I feel like I've made no progress. I've been reading the comments by others with similar complaints and discussion of a class action lawsuit. I don't know if that is possible or not, but if it is... I'm in!!

                0 Votes
              • Ro
                Robrt102 Apr 15, 2011

                Same issue i finished college and joined the military they continue'd to call my parents house several times they gave them my number and told them i was ready to start payments and the entire time i was in basic and ait i received no calls and well they wouldnt try anything at all .. so i get out of the army now and i try to get a vehicle... nope bad credit.. they have screwed up my credit so bad i cant get anything no loans no cars i have to pay almost half the price for the car just to walk off the lot with it..nel net has pretty much ruined alot of things

                0 Votes
              • Xa
                Xadrian Mar 06, 2011

                Interesting... I had the same thing happen - I had called multiple times to get my loans into deferment last August. I was told to check online in about 2 weeks to see my loan list updated. I check... 2 loans are not in deferment. Ok, weird, so I call them up again. (Not to mention every time you call and reach someone it takes hours - I would call every day on my lunch break at work) The customer service lady said she wasn't sure why ALL of the loans weren't deferred. Ok, so I asked her to put them all in defferment. Check back in 2 weeks! Same thing again! Finally after 3 months they were ALL in deferment in October! During that time Nelnet was calling and threatening that they just sold my account to some collections agency and if I gave them $4, 000 right now they would dismiss it. Who has $4, 000 right then? So the guy said he needs $300 that day - so I let him charge my card - although that money was for part of my rent :( When I called later on to see if everything was in good standing and they were not going to send me to collections the other CSR I spoke to said she didn't see anything in the computer that they sent it to a collections agency to be bid on.

                I do have two phony? loans recently put on there amounting in about $5, 000 from some M&T bank that is boggling me from the state of TN. I live in California! I dread spending my week calling them >.>

                0 Votes
              • Cs
                csimp Mar 04, 2011
                This comment was posted by
                a verified customer
                Verified customer

                My loans were with Wachovia and when they went belly up my loans got bought/sent over to Nelnet. They were in deferment when they were with Wachovia and are still in deferment (from March 2010 - April 2011) but Nelnet went and told the credit bureaus I was late on payments starting July 2010!!! How do you figure?? So my credit score has dropped like a ton of bricks and trust me, the credit bureaus are NOT good at fixing things like this. They investigated it and got it changed from Late to Pays as Agrees but still has the Past Due months on there!!! COME ON!!! This has been a nightmare! Almost not worth going to college now...

                0 Votes
              • Ne
                Newbie to the board Feb 24, 2011

                I just recieved a call for my son from nelnet. He's 20 and in college currently. They called from an 888 number and my son has NO LOANS with nelnet.

                I can only imagine what to expect as I sat on hold for 1/2 hr and no one ever picked up. I don't know them. All of my son's Stafford loans are Sallie Mae, the rest were paid in cash by his parents (us) out of our home equity line.

                I believe what all of you are saying. Im grateful we never had to deal with them for 3 daughter's loans for undergrad and grad school.

                I'll post when I find out what they wanted my son for. Good luck to those of you having these problems. The others that are critical of you need to get a good kick in the ###.

                0 Votes
              • Go
                Gone Postal 4 u Feb 18, 2011

                I was in a deferment when my loan was sold to nelnet...I have refiled papers which they say they have never received and now they have locked my online account, so I can not get any information unless I call them which I did and they sent me deferment papers again, which I mailed in... and they have said again they did not receive. Now they have sent me a notice stating they want to seek legal action against me for being late...I was notified by the company that sold my loan that it was suppose to transfer to nelnet...Well, big joke! Now I am being sued by nelnet and I am only 4 months behind on a 3, 000 loan and they refuse to work with and are demanding the to whole amount or they will put a lean on my taxes...Beware of this company they are crooks! My student loan has been nothing but trouble since it was bought by this company!

                1 Votes

              The complaint has been investigated and
              resolved to the customer's satisfaction
              Resolved
              Nelnetkwikpay failure caused overdue

              Nelnet is handling my loans for the Fed apparently. Long story short: I graduate with an engineering degree, get a good job, and go to start repayment. I sign up for Kwikpay because, being a fiscally conscious individual, I thought that whopping 0.25% interest rate reduction was better than nothing.

              Enter my first payment and first problem:
              - I have 2 due dates at the beginning of the month
              - I signed up for Kwikpay to withdraw more than the minimum payment on the first due date.
              - First payment date comes up... minimum payment for a few of the loans comes out (1/3 of what I agreed to let them draft).

              I was working 60 hours a week on an international project so I didn't catch it until a week later. So I dutifully went online and made a manual payment for more than the remainder. I have a receipt and confirmation number for the payment... 4 days later and still no dice. The money is still in my account and Nelnet automated system now claims I owe almost 3 payments (despite my first due date being the 6th and it is now the 18th).

              Called customer service and they want to screw with my due date, cancel Kwikpay, and do another payment on the phone. No explanation of where my payments went, no removal of the 2 weeks of accumulated interest... hell, I didn't even get an insincere customer service-esque apology. Their only solution is cancel my Kwikpay and let me manually submit payments every month, thereby losing that stellar interest rate discount.

              I have a feeling this is going to be the start of a annoying and thankfully short business relationship. Thank God I have a solid job and will be done with your company this year.

              Maybe I should check with a lawyer and see if it's legal to draft, without my consent, an amount other than the one listed on the signed formed I submitted? Probably isn't...

              Moral of the story:
              NEVER TAKE OUT STUDENT LOANS FOLKS.
              If you can't afford it up front than you need to get a second job or research grants and scholarships. Guess these incompetent folks are my payback for wanting to have a little fun in college. :-P

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                2 Responses
                • To
                  Tom from FL Jan 19, 2011

                  I think my comment posted to the wrong message. Darn phone web browser.

                  0 Votes
                • To
                  Tom from FL Jan 19, 2011

                  Similar problems here. Class action anyone?
                  There are lending laws.
                  These idiots need to follow them.

                  0 Votes

                The complaint has been investigated and
                resolved to the customer's satisfaction
                Resolved
                Nelnetcannot accurately record payments

                I have two student loan accounts with Nelnet and they make it impossible to make accurate payments. Every month I'm on the phone or emailing with Customer Service because they've applied my payment to the wrong account. In an attempt to "fix" their problems (which they blame on website technical difficulties and inability to create a way for users to make payments on one specific account) they constantly change the due dates for my payments. I can never seem to talk to the same person twice and I'm so sick and tired of their antics. I've been dealing with this for THREE YEARS!

                Here was one of their attempts to "fix" their problem:
                "Due to system limitations, currently we are not able to differentiate the loans on the website. Nelnet is currently looking into a way to resolve this for customers. At this point, the easiest way to differentiate the accounts online is to change the cycle date on one of the accounts only."

                Well, they keep trying to change ONE due date for me yet no one can figure out how to do that! They keep changing the due date day for both accounts and are evening changing the month my payment is due!

                You'd think a student loan company would at LEAST have the whole taking-payments thing down.

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                  RESOLVED

                  Nelnet launched a new website recently (2012 or 2013?) and it looks easier to differentiate between the two loans. I've been in grad school so my loans have been in deferment. We'll see how it goes once they go into repayment! They've notified me that one of my loans is coming due this summer, and one in 2016. I have no idea why one would be so far away since I don't remember paying ahead significantly.

                  5 Responses
                  • Si
                    signofthetimes Dec 07, 2011
                    This comment was posted by
                    a verified customer
                    Verified customer

                    Sorry about the typo in my original post. "Evening" should be "even." I made this post over a year a go. I am back in school, and my loans are currently in deferment. Any recommendations on who to use after I get out of school? I'd like to consolidate and leave Nelnet.

                    0 Votes
                  • Ni
                    ninamarie Dec 07, 2011

                    They're not recording payments properly for me, either. I'm ready to call a lawyer and contact the AG's office. This is out and out theft and corruption and it's time Nelnet was kicked to the curb.

                    The next big bubble is going to be the student loan bubble, and Nelnet is going to fall hard. You'd think they'd be grateful to have customers who are paying back on time. Nope. They screw the people who ARE paying because of the people who aren't.

                    Write your representatives, and get the name of a good lawyer. These Nelnet people are bottom-feeding ###.

                    0 Votes
                  • Eh
                    eheins Apr 12, 2011

                    I have just this past year been switched to Nelnet by the Department of Education to manage two loans I have for my son in college. I wonder what US Representative is getting paid off by this terribly incompetent company? The website is horrible and I have been having the same problems regarding applied payments and due dates. They don't seem to understand when a deferment should be applied or to whom it should be given. Another example of our government screwing up and screwing the little people by out-sourcing to incompetent contractors!

                    1 Votes
                  • To
                    Tom from FL Jan 19, 2011

                    Agreed. They cant figure out how to apply payments or record.them properly. I am lodging a complaint with my state attorney general's office.

                    1 Votes
                  • Ja
                    jam465 Nov 28, 2010
                    This comment was posted by
                    a verified customer
                    Verified customer

                    I am experiencing something similar. I have a group A and B loan through Nelnet and am having a very hard time getting the correct payment to process. At first, I was simply adding up the amount due for each and then sending one payment to cover both. They have been applying more towards one and not enough towards the other and that is causing more interest to build. In an effort to combat that, I decided to submit a separate payment for both. Well, they split the first payment by two and the 2nd hasn't been applied. However, the total of both checks appears on the payment summary screen.

                    0 Votes

                  The complaint has been investigated and
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                  Nelnet — credit reporting

                  I just found out that my credit has been destroyed over a delinquent account at Nelnet. My husband recently...

                  Nelnetwebsite is designed to lock you out

                  I have been with Nelnet for 6 years, and have had significant and regular problems with their website. I receive emails stating that I have messages, which I have to log in to get -- their website is ad-based now, and locks me out almost every time attempt login. When I call, there is no path to a human being, nor way to unlock my account, but I can pay an extra $6 to process an electronic check.

                  This company has really become a pain to work with, a huge contrast to how they treated me when I consolidated my loans. Smells like greed, they appear to make it hard for me to meet my loan comittment, and have become increasingly unresponsive. I have come to pity the people that I encounter at Nelnet -- the management has clearly become borderline insane.

                  They are not the company I signed up with 6 years ago, please find a more responsive lender.

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                    1 Response
                    • Xa
                      Xadrian Mar 06, 2011

                      I have had this problem too. Try remaking a new account - I was told by one of their CSR's this is how you "reset" your password. You can use the same email you used with your previous account. It will recognize your SS# or whatnot and when you log in with this "new" account all your old account stuff will be there.

                      0 Votes

                    Nelnet Student Loan Servicesbusiness practices

                    I've read the complaints and have one of my own. My concern is that I can not find in any Nelnet literature online or otherwise on how to accelerate my payments to avoid paying the 20 years worth of interest that has appears to be built into this loan. Every payment above an beyon the interest just pushes out my due dates on my next payment. I have a friend who is a financial advisor tell me that he had a young couple with the same issue. The young couple just wanted to pay their loans off sooner to allow them to save more money for a house. The process was, as my friend explained, very arduous and most people people give up. Since I haven't been able to get a human on the phone to discuss, and there apparently isn't any information accessible to me in this regards, I am going to my attorney general Richard Blumenthal with this complaint. If anyone would like to join in on this and other questionable business practices, please send me an email at [protected]@gmail. I will compile all of your complaints into one package so that there is a stronger case.

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                      2 Responses
                      • Th
                        the nel-net Jul 30, 2010
                        This comment was posted by
                        a verified customer
                        Verified customer

                        Geoff, thank you for your proactiveness and taking the time to speak with me and addressing my concerns. To all readers, I am no longer persuing this with my state's AG. To Nelenet, get that phone issue worked out!

                        0 Votes
                      • Ne
                        NelnetGeoff Jul 29, 2010
                        This comment was posted by
                        a verified customer
                        Verified customer

                        Your due date advancing and the speed at which you are paying down your lon are not necessarily tied together. Lenders of student loans are required to give you the entire term to pay back your loan. As a result if your regular payment amoutn is $50.00 and you send in $100.00 the entire amount is applied immediately, your due date advances because you have satified addtional payments, not because your servicer is holding onto the funds until next month. If in the same scenario you sent in $75.00 you would not see the due date advance an additional month unless you were to send in $75.00 the following month as well.

                        The interest on your federal student loan is in no way built in. These loans have simple daily interest accrual. You will never pay a cent of interest that hasn't actually accrued and will never pre-pay interest on this type of loan. Check your statements each month-you will see that your funds have been applied as you intended with zero extra work.

                        0 Votes

                      Nelnet — fraud and abuse

                      I have an AA degree from a Jr college - Nelnet turned me over to a collection agencyeven though my physician...

                      Nelnet Student Loanneeding more than a recession assistance program

                      For the last 5 months I have been working with Nelnet just as I did with Sallie Mae on getting assistance with the programs they currently have regarding income repayment, deferment and forebearance. I have sent them over 4 to 5 faxes, per rc'd confirmation of this, I have also sent by mail 2x times now with all of the information they require. Having spoke with customer service representatives whom denies each time that they ever received anything. Now finally they have and will not accept my tax documents because there is no signature yet, IRS, Sallie Mae all accepted these same documents due to electronic filing.. What would a signature on a document make if I am going back over the document after it was already submitted and accepted to IRS without the actual hand written signature due to electronic filing/social etc... ? Who are these people and why are they giving people like me a hard time to get the assistance they are offering? What makes them better than the IRS? and or Sallie Mae? Are they giving me the run around, dragging me out on a leash like a dog until I give in, Well guess what i can't! I don't make enough money to give in. I worked in customer service for years...still do. This is ridiculous. But what can you do if no one is listening, if no one cares to hear what you have to say. I am trying to get this handled, I am looking up the programs they have to offer, printing documents they are requesting and yet they act as if they don't abide by their own guidelines, their own resources to help those in need. Why pretend? So I have again printed tax info documents, and placed my signature on the documents below my already electronically signed signature for their benefit only. Let's see if I get the assistance I need, lets see if it goes through without getting another email from them informing me that I have missed something else, that wait I need to sign it in a different place, and or Wait we never got it!


                      please see below on how many days now past due because of their incompetence and inability to tacke care of this without sending me through hoops and turns that are not neccessary.

                      Dear Donnetta E. Williams,
                      Thank you for contacting Nelnet.

                      Your account is currently 118 days past due for $200.00.
                      Nelnet cannot process the Income Based Repayment Plan unless a signed copy of your 1040 form is received. Even if your tax form was electronically signed, you will need to print a copy and put a physical signature on it before sending it.

                      Please send your signed tax form(s) to Nelnet by fax (1.866.545.9196) or mail to:
                      Nelnet
                      Attn: Enrollment Processing
                      PO Box 82565
                      Lincoln, NE [protected]

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                        Nelnetclaim they bought my loan

                        The dept of education bought my loans. Then I had them consolidated with Direct Loans. I am now in the process of entering the Public Service Forgiveness Program. Well I recently received two letters from Nelnet. They claimed they had bought my loans. The loan amounts are for extremely small sums. $25 and $50, they also sent about 10 different papers with the same account number but different amounts owed. I contacted direct loans and they said they couldn't tell me anything about it. Well then the second letter I got states that I am in forbearance and they are charging me interest on the loans. Well I was not in any type of forbearance when I received the letters. I am extremely confused. This is apparently a real company but I feel like this is some weird type of scam. I am not going to pay for this and I don't know who to contact to complain about it.

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                          Nelnet — charging of interest

                          I am hoping that we can get something together and make this company own up. My wives student loan is with...

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                          Nelnet Student Loansfraud

                          This company is the biggest satan's friend in the world. They caused all my loans to default when I was in school and had enrolled in a Medical program. They will blame your default on the school. This company lies to you, runs you in circles and tells you they will fix their mistakes, but then suddenly they will sell your student loans to a collection company while you are in school and leave you hanging in the dark unable to register and unable to continue your education. I hope someone blows up NelNet headquarters and their CEO Mike Dunlap. I have children and I am only 1st year med school with $60000 in student loans. They has ruined my famlies life!!! They have caused me to loose my car because my loans were frozen and my credit score was suddenly ruined by NEL NET!!!

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                            Nelnet — student loan

                            I took two loans in [protected] with Sally Mae while I was in Illinois. Each of the two loans was for $1000.00...

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                            Nelnet — scam and cheating

                            Just recently made 29th consecutive payments of the 30 consecutive payments included in a Nelnet...

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