Welcome to Nelnet Bank Private Student Loans for
You've got goals, grit, and things to do in life. Our student loans will help you achieve high education and a path to success.
Check Your Rate
Before taking out a private student loan, make sure to take advantage of any federal student loans, grants, or scholarships you have access to. Federal student loans often include benefits and lower interest rates, so be sure to consider all of your options before applying for a private student loan.
Lowest rates listed above 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.
Get Smart About Student Loans
Backed by 40+ years of experience serving the student loan industry, Nelnet Bank has created expert-driven student loan options that put more possibilities in reach of more students. From better financial terms to more comfortable repayment options, we’re helping to make educational dreams possible nationwide.
Auto Debit Savings
We’ll knock .25% off of your interest rate when you enroll in auto debit. See Disclaimer
We offer cosigner release after 24 consecutive, on-time payments have been made. See Disclaimer
Flexible Repayment Options
Choose from three repayment options to find the plan that best fits your lifestyle. Also enjoy a six-month grace period after you get your degree.
How To Get Started
You’re minutes away from checking your eligibility – and a few short steps away from saving. See Disclaimer
Start Loan Application
Begin your application by providing basic information about you and the school you attend.
Add Cosigner (If Needed)
Once you add your cosigner, we'll send them an email asking them to complete the application.
Select Loan Offer
You and your cosigner (if one is needed) will select the best loan option from your offers.
How do I qualify?
There are just a few simple eligibility requirements.
You or your cosigner must be a U.S. citizen or have permanent residency status with a valid U.S. Social Security number.
You must be enrolled at a Nelnet Bank-eligible school for the loan period in question.
You or your cosigner must have a credit score of 680 or higher.
Be the legal age to enter into binding contracts in your state/territory of residency, or be at least 17 years of age and apply with a cosigner who is at least the age of majority in their state/territory.
What do I need to get started?
Once you’re pre-qualified, you’ll need to upload some documents to verify income.
- CheckProof of Income
If you’re employed, two recent pay stubs work best. If you have other income, we’ll instruct you on the proper documentation.
There’s a lot of managing your money while you’re in college, putting student loans behind you, and moving on to your next big adventure. We’re here every step of the way with helpful resources.
Frequently Asked Questions
Have questions about student loan refinancing? If we haven’t answered your questions below, contact us – that’s why we’re here.
This referral partner is not the creditor of Nelnet Bank loans and may receive compensation from Nelnet Bank for the referral of Nelnet Bank loan customers.