IF YOU HAVE BIG PLANS, WE'RE WITH YOU.

Nelnet Bank was built to deliver better options and bigger possibilities.

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Private Student Loans

Find a path that’s right for you with competitive rates, flexible options and expert help. If federal student loans, grants, and scholarships aren't enough to pay for college, we offer packages with the terms and features you need to get started on the right foot. If that’s not enough, Nelnet Bank is backed by Nelnet – a company with over 40 years of experience helping students successfully navigate repayment.

Lowest rates listed to the rightbelow include an interest rate reduction for eligible applications, enrollment in auto debit, and are available only to the most creditworthy applicants. Advertised variable rates reflect the starting range of rates and may increase over the life of the loan. See Disclaimer

Variable Rates

Borrow
Rates between
1.26% - 10.40%
APR

Fixed Rates

Borrow
Rates between
3.34% - 11.68%
APR

Student Loan Refinance

Simplify your student loans into one monthly payment while potentially saving on your interest rate. Federally-held student loans have a suspension of payments and a temporary interest rate of 0% through 8/31/22. If you refinance these loans, you will no longer qualify for this relief or other federally-held loan benefits. Carefully consider your options before refinancing federally-held loans.

Lowest rates listed to the leftbelow include an interest rate reduction for eligible applications, enrollment in auto debit, and are available only to the most creditworthy applicants. Advertised variable rates reflect the starting range of rates and may increase over the life of the loan. See Disclaimer

Variable Rates

Borrow
Rates between
2.69% - 9.20%
APR

Fixed Rates

Borrow
Rates between
3.49% - 7.44%
APR

Fueling Your Journey

You’ve come a long way – but you’ve still got places to go. We’re on a mission to help you go as far as your path can take you, with financial help that puts bigger goals in reach.

Explore New Heights

With Nelnet Bank, the benefits add up – from dollars and cents to expert insights you won’t get anywhere else. We’re here to put our power to work for you.

Competitive Rates

Whether you’re looking to lower your monthly payment or pay off your loans faster, we set terms that help you get it done.

Flexible Repayment

Offering diverse loan terms and reassuring hardship forbearance, our loans repayment options will have you covered no matter where life takes you.

Real People

Need help finding the right product for you? Our 40+ years of industry experience is only an email, chat, or phone call away.

Helping Make Financial Decisions Easier

See your new rate in minutes without affecting your credit score.

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Refinance

See your new rate in minutes without affecting your credit score. See Disclosure

Learn more about Refinance

What Our Customers Are Saying

Every customer interaction is a chance to earn your trust. We’re glad our customers notice.