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How to Make a Payment

Making payments on your student loan with Nelnet is easy! With options to pay anytime, anywhere, you can manage your account your way. We offer a variety of payment options, including automatic debits (ACH), to let you choose a method that's convenient for you. If you wish, we can send you text alerts to confirm or remind you to make your payments! See details below.

Your Accounts, Loan Groups, and Due Dates

You may have more than one student loan account with Nelnet (account numbers start with D, J, or E). Within each account, your individual loans are grouped according to the characteristics they have in common. For example, loans of the same type and interest rate will be in a group together.

We send you a monthly statement for each account about three weeks before a payment is due. Your monthly statement and online account at Nelnet.com will show your amount due and due date for that account. If you have multiple accounts, it's possible you may have different due dates. If you make your monthly payment online, you're able to make a single payment for all of your accounts. If you wish to mail a payment, you must send it to the address on your statement. Feel free to call us anytime to request that we align the due dates on all of your loans to a date between the 1st and 28th of each month.

Ways to Pay


auto debit

via mobile apps

online

via mail

online bank payment

via phone
Make automatic monthly payments through auto debit

Our auto debit service automatically deducts your monthly payment (ACH) from your checking or savings account while your student loans are in an active repayment status*, including when your account is past due or paid ahead (when you’ve paid more than the minimum due). Your payment will post on your monthly due date. If your payment posting date falls on a weekend or holiday, the payment will be deducted from your bank account the next business day. Your Nelnet account will reflect that your payment was made on your due date.

You may be eligible for a .25% interest rate reduction** with this option while your account is in an active repayment status. Log in to Nelnet.com and select "Set Up Auto Debit" to get started.

When signing up, you may choose to have an additional amount above your minimum amount due automatically debited from your bank account each month. Doing so will allow you to pay off your student loan faster.

*Auto debit will not debit payments when your account is paid ahead while your loans are on an Income-Based, Income-Contingent, or Pay As You Earn Repayment Plan, or Reduced Payment Forbearance.
**Your lender may modify or terminate its borrower benefit program at its discretion and without prior notice. Your failure to satisfy benefit eligibility requirements may result in the loss of the benefit.

Pay via mobile apps

Make a payment on the go! The Nelnet mobile app for iPhone® and Android lets you make a payment whenever it's convenient for you. The app also displays upcoming due dates, interest rates, and monthly payment amounts at a glance.
iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google, Inc.

Make online payments

Log on to Nelnet.com to make a one-time online payment, schedule future automatic payments (ACH), and view your statements. You can also authorize others to make payments by selecting Payment Profiles under My Info and Preferences. Our site is fully compliant with data security standards, so you can rest assured your payment information is secure.

Mail a payment

Mail a payment to the address (including the P.O. Box) on your statement. If you do not have a statement, you can log in to your Nelnet.com account to print the most recent one. Please make sure to write your account number, including the preceding letter, on your payments to ensure that your payment is credited in a timely and accurate manner. Remember – don't send cash through the mail.

Pay through your bank with its bill pay service

Try your bank's online bill pay service, but make sure they don't charge a fee; if they do, sign up for automatic payments through auto debit (as mentioned above – you may even get an interest rate reduction). You'll need the following information for online bill pay services:

  • Payee: Nelnet
  • Account Number: Your nine-digit account number as shown on your statement (do not use the D, J, or E at the beginning of the number)
  • Payment Address: The P.O. Box on the bottom of your statement (see all mailing addresses). The mailing address may vary for each loan.
Make a payment through our automated phone system

You are able to pay by phone by calling in to our automated phone system. To do so, call 1.888.486.4722 and follow the instructions.

Sign Up For Text Alerts

Get text alerts about your current statement, payment due date, past due notifications, and loan status changes. To sign up, log in to your account and follow these steps:

  1. Click Settings
  2. Select Manage Text Alerts

Message Settings

How Payments Are Applied to Your Student Loans

As you make payments on your student loans, it's important to understand how those payments are applied to your loans. Understanding this will help you throughout your student loan journey, as you may find yourself wanting to make payments that are higher or lower than your regular monthly payment amount.

Paying your Regular Monthly Payment Amount

When you make a payment, funds are allocated across all loan groups in an active repayment status. The funds are applied first to any fees (if applicable)*, then to interest, then to the principal balance. If you are on an Income-Based repayment plan, payments are applied to interest, then to fees, and then to principal. Payments will be applied automatically to your principal balance after all outstanding interest and fees are paid. Loan groups that are delinquent are paid first. While your student loans are in repayment, each time you satisfy a loan group’s monthly payment amount, we will automatically advance your next payment due date by one month, unless you submit special instructions requesting that we do not advance your due date.

Paying More Than Your Regular Monthly Payment Amount

Once your current amount due is satisfied or if there are no payments due (for example, if your loans are not yet in repayment or are in a deferment or forbearance), the payment will be applied across the loan groups, with funds allocated proportionally based on each group’s accrued interest and regular monthly payment amount. You can also direct the extra payment amount to specific loan groups by submitting special payment instructions. Learn more about providing special instructions.

Paying Less Than Your Regular Monthly Payment Amount

If your current amount due is not satisfied, the partial payment is distributed proportionally across each loan group’s regular monthly payment amount. Each loan group could become delinquent (this could lead to being reported to the consumer reporting agencies or be subject to a late fee, if applicable*).

*The U.S. Department of Education does not assess late fees.

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