These terms and conditions are revised and effective as of August 23, 2023.
Please read these terms and conditions carefully. By selecting "Submit" and using Nelnet.com's services, you agree to the following:
I. Viewing Electronic Documents
Note: This does not indicate your agreement to receive correspondence and billing statements from Nelnet electronically. If you wish to sign up to receive correspondence and billing statements from Nelnet electronically, access the Contact Information page in your Nelnet.com account to enroll in eCorrespondence.
You agree to the following:
When using Nelnet.com, we may make disclosures, notices, and other documents (“Electronic Records") available to you through electronic methods, subject to any delivery and receipt verification procedures required by law.
To view Electronic Records, you will need the following minimum hardware and software, which you acknowledge having by agreeing to the terms and conditions.
- Access to a computer with the following:
- Access to the internet
- A web browser (The latest version of Chrome, Mozilla Firefox, Microsoft Edge, or Safari is recommended.)
- You may need additional software to view or print your electronic record.
- Documents are presented in an Adobe portable document format (.pdf) and can be viewed by using the free Adobe Reader. You can download a free copy of Adobe Reader at http://get.adobe.com/reader/Get.Adobe.com/reader You can test your ability to open .pdf documents by selecting the test link here.
- Access to a printer will be required to obtain a paper copy of your Electronic Record.
- If we change the minimum hardware and/or software requirements, we will update this section of the terms and conditions with the new requirements.
Please read carefully before using this website:
Welcome to this website (the "Site") of Nelnet, Inc. and its affiliates (collectively "Nelnet"). Access to and use of the Site are subject to these terms and conditions ( "Terms") and all applicable laws. By accessing any areas of the Site, you agree to be bound by these Terms. If you do not agree to all of the Terms, please do not use the Site. Nelnet may revise these Terms from time to time by updating this web page. Your use of our Site following any such change constitutes your agreement to follow and be bound by the Terms as changed. If any change is unacceptable to you, your only recourse is to terminate your use of the Site. Nelnet may also change, move portions of, delete portions of, or add to the Site from time to time.
Authentication is the process by which a website or app verifies your identity, typically by using a username and password. Oftentimes, a username and password is not sufficiently secure when it comes to sensitive data such as financial or education data. Multi-factor authentication (MFA), also called two-factor authentication or two-step verification, is a process that adds at least one more step, or "factor", to verifying your identity in order to increase security around sensitive data. This step is usually a confirmation of your identity in the form of an email, text message, or notification on an authentication app. Nelnet uses MFA to increase the safety of your online account(s) by requiring entry of a onetime passcode in order to gain access to your account. Your passcode may be received by email or text message. Please ensure that the personal information we hold for you (email and mobile phone number).
Communications With Us
Except as indicated in a secure area of the Site, any information or communication, including but not limited to remarks, suggestions, ideas, questions, or comments, transmitted to Nelnet via the Site or Internet electronic mail, is the exclusive property of Nelnet and is not confidential. NELNET CANNOT GUARANTEE THE CONFIDENTIALITY OF TRANSMISSIONS OVER THE INTERNET (UNLESS OTHERWISE INDICATED), INCLUDING ANY TRANSMISSION OF PERSONAL INFORMATION BY YOU TO NELNET. Unless otherwise stated, Nelnet is entitled to use any information or communication submitted for any purpose without restriction (including but not limited to reproduction, publication, disclosure, broadcast, posting, and compilation of such information or communication or developing products and services incorporating the same) or compensation to the person sending the submission. The person sending such submission acknowledges the originality of any submission communicated to Nelnet and accepts entire responsibility for its accuracy, appropriateness, and legality (including without limitation compliance with any federal or state intellectual property statutes, regulations, and common law rules). If you use our loan calculators, the estimates given may differ from the actual amounts. All interest rates and repayment matters are determined by you and your lender.
If you use this Site in a manner that requires you to set up an account with a user name and password, you are responsible for maintaining the confidentiality of that user name and password and for restricting access to your computer. You agree to accept all risk and responsibility for all activities that occur under your user name and password.
Any use by you of another user's information, personal or otherwise, for any commercial purpose or to obtain direct financial gain (including, but not limited to, use for mass marketing purposes) is prohibited. Any such use shall be deemed to be a violation of these Terms. The Site is to be used by you for your personal use only. Commercial uses of the Site are strictly prohibited unless prior written consent from Nelnet has been granted. You agree that you will not use the Site for chain letters, junk mail, "spamming," solicitations (commercial or non-commercial), or bulk communications of any kind, including but not limited to, distribution lists to any person who has not given specific permission to be included in such a list.
You represent and warrant to Nelnet that nothing submitted by you to the Site shall contain any content which (i) is harassing, libelous, defamatory, abusive, threatening, harmful, vulgar, obscene, profane, sexually oriented, racially offensive, inaccurate, or otherwise objectionable, (ii) violates any law, rule, or regulation, (iii) infringes, misappropriates, or otherwise violates any copyright, trademark, or other intellectual property right, right of privacy, right of publicity, or any other right of any entity or person, (iv) encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law or regulation, (v) advertises or otherwise solicits funds or is a solicitation for goods or services or (vi) encourages the use of controlled substances. Nelnet reserves the right to delete any such material from the Site.
You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or consultant of Nelnet. You further agree not to use an inappropriate user name of any kind.
You acknowledge and agree that you may not upload, post, reproduce, or distribute any content on or through the Site that is protected by copyright or other proprietary right of a third party, without obtaining permission of the owner of such right. Any copyrighted or other proprietary content distributed with the consent of the owner must contain the appropriate copyright or other proprietary rights notice. The unauthorized submission or distribution of copyrighted or other proprietary content is illegal and could subject you to personal liability or criminal prosecution.
If you believe that your copyrighted work or the copyrighted works of others have been infringed, please send a written notification of claimed infringement to Nelnet's copyright agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the copyright owner; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the allegedly infringing material is located on the Site; (iv) your telephone number, address, and e-mail address; (v) a statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law and (vi) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
Nelnet's agent for notice of claims of copyright infringement on the Site is:
Nelnet Legal Department
3015 S. Parker Road, Suite 400
Aurora, CO 80014
Upon receipt by Nelnet of notice of claimed copyright infringement containing the information specified above, Nelnet will promptly remove the allegedly infringing material from the Site. Nelnet shall have no liability to any user of the Site for the removal of any such material.
THE SITE, ANY SERVICE OFFERED ON OR THROUGH THE SITE, AND THE ENTIRE CONTENTS AND SOFTWARE ON THE SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND WHATSOEVER. NELNET EXPRESSLY DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF PERFORMANCE OR COURSE OF DEALING. NELNET MAKES NO WARRANTY OR GUARANTY THAT THE CONTENTS OF THE SITE ARE COMPLETE, ERROR-FREE, OR THAT THE SITE WILL OPERATE IN A MANNER THAT IS SECURE (UNLESS OTHERWISE INDICATED), UNINTERRUPTED, OR ERROR-FREE, OR THAT THE SITE IS OR WILL BE MAINTAINED FREE OF VIRUSES OR OTHER HARMFUL CODE. IT IS UP TO YOU TO TAKE ANY AND ALL PRECAUTIONS TO ENSURE THAT THE INFORMATION YOU ACCESS AND USE FROM THE SITE IS FREE OF SUCH ITEMS AS VIRUSES, WORMS, TROJAN HORSES, AND OTHER ITEMS OF A DESTRUCTIVE NATURE. CHANGES MAY BE MADE TO THE CONTENTS AND SOFTWARE ON THE SITE, AND THE PRODUCTS AND SERVICES DESCRIBED WITHIN OR OFFERED ON THE SITE, AT ANY TIME WITHOUT NOTICE. NELNET USES REASONABLE EFFORTS TO INCLUDE ACCURATE, AND UP-TO-DATE INFORMATION ON THE SITE. NELNET IS NOT RESPONSIBLE FOR TECHNICAL, HARDWARE, OR SOFTWARE FAILURES OF ANY KIND; LOST OR UNAVAILABLE NETWORK CONNECTIONS; OR INCOMPLETE, GARBLED, OR DELAYED COMPUTER TRANSMISSIONS.
Limitation of Liability
BY USING THE SITE, YOU AGREE THAT NELNET WILL NOT FOR ANY REASON OR CIRCUMSTANCE, AND REGARDLESS OF LEGAL THEORY, WHETHER IN TORT, CONTRACT, OR OTHERWISE, BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, HOWEVER CAUSED, AND REGARDLESS OF CHARACTER, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, LOSS OF PROGRAMS, OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF NELNET HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY APPLIES, BY WAY OF EXAMPLE BUT WITHOUT LIMITATION, TO ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH (I) YOUR ACCESS TO, USE OF, OR INABILITY TO USE, THE SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THE SITE), OR (II) ANY ERRORS OR OMISSIONS IN THE CONTENT OF, OR PERFORMANCE OF THE SOFTWARE ON, THE SITE (INCLUDING ANY SERVICE OFFERED ON OR THROUGH THE SITE). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO SUCH EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, SUCH EXCLUSIONS SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
You agree to defend, indemnify, and hold Nelnet harmless from and against any and all claims, losses, damages, liabilities, costs, and expenses, (including, but not limited to, attorneys' fees), arising from or related to your (i) use of the Site or (ii) violation of any of these Terms.
Copyrights, Trademarks, and Servicemarks
The Site and all information, documentation, and other content ( "Content") posted in or on the Site are copyright 1995-2023 Nelnet, Inc. and its affiliates. All rights reserved. Unless stated to the contrary, all Content is the property of Nelnet or its third party licensors. By making this Content available on the Site, Nelnet is not waiving any proprietary rights (including copyrights or trademarks) in such Content, and is not transferring its rights to you or any third party. The Content is protected by U.S. and international copyright laws. The product and service names and logos on the Site, and the appearance of the Site, including icons and graphics ( "Marks"), are servicemarks/trademarks, registered servicemarks/trademarks and/or trade dress of Nelnet or its third party licensors. Unauthorized use is prohibited.
You agree not to remove copyright, trademark, or other notices from any Content or Marks you may get from the Site. You cannot download or copy any content from the Site without the prior written consent of Nelnet except for your individual use. No right, title, or interest in any downloaded materials is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell, or participate in any sale of, or exploit in any way, in whole or in part, any of the Content, Marks, the Site, or any related software.
To the extent links are provided from the Site to other websites that are not managed by Nelnet, Nelnet does not operate or control any information, products, or services on, nor endorse nor approve any products, services, or information offered at those sites.
In the event that Nelnet determines, in its sole discretion, that you have breached any of the Terms, or have otherwise engaged in inappropriate conduct, Nelnet may, in addition to any other remedies that may be available, (i) warn you of the violation via e-mail; (ii) delete any content provided by you or your agent(s); (iii) terminate your use of the Site; (iv) notify and fully cooperate with the proper law enforcement authorities for further action; or (e) take any other action which Nelnet deems to be appropriate.
These Terms are effective unless and until terminated by Nelnet. Nelnet may terminate all or part of the Site at any time without notice to you. Upon any termination of these Terms or the Site, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials.
Law that Governs the Site
Information on the Site includes descriptions of products and services available only in the United States of America. These Terms are governed by and interpreted pursuant to the laws of the State of Nebraska, United States of America, notwithstanding any conflicts of laws principles, and venue shall rest exclusively in the courts situated in the State of Nebraska, Lancaster County. If any part of these Terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining Terms.
These Terms constitute the complete and exclusive statement of the mutual understanding of the parties and supersede and cancel all previous written and oral agreements and communications relating to the subject matter hereof. No failure or delay in exercising, on the part of either party, any privilege, power, or right hereunder will operate as a waiver thereof.
Special Notice for New Jersey Users
By using this website, you: (a) assume all risks of losses or damages resulting from your use of or inability to use this website; (b) irrevocably waive all losses or indirect, special, consequential, punitive or incidental damages (including, without limitation, those resulting from lost profits, lost data or business interruption) that may occur as a result of your use of this website; and (c) expressly agree to release and discharge Nelnet, and its affiliates, employees, agents, representatives, successors, or assigns from any and all claims or causes of action resulting, directly or indirectly, from your use of this website; and (d) you voluntarily give up or waive any right that you may otherwise have to bring a legal action against Nelnet for losses or damages, whether based on warranty, contract, tort or other legal theory, including any claim based on alleged negligence on the part of Nelnet and its agents and employees. You acknowledge that you have carefully read this “waiver and release” and fully understand that it is a release of liability.
III. Privacy Notices