Note: All U-fi From Nelnet Private Student Loans are now funded by Nelnet Bank.

If you started your private student loan application before April 11, 2022, please complete your app with U-fi.

To start a new application for a private student loan, please start at Nelnet Bank.



Private Student Loans from Nelnet Bank offer competitive rates, flexible options and expert help, making it easier to reach your educational goals.

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Big Dreams? We Can Help

You have big goals, and we want to help you achieve them. That’s why Nelnet Bank offers flexible terms, borrower benefits, and support from real people to help you along the way.

Student Loan Refinancing From Nelnet Bank

Simplify your student loans into one monthly payment while potentially saving on your interest rate with Nelnet Bank. See Disclaimer

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Private Student Loans From Nelnet Bank

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.

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Benefits of U-fi From Nelnet Student Loans

Cosigner Release

Once you make 24 consecutive on-time payments you'll have the option to release your cosigner.

Flexible Repayment

Choose from multiple rates and terms to find the private student loan that works best for your lifestyle. Plus, enjoy a six-month grace period after you get your degree.

Dedicated Service

Expert customer support is only an email, chat, or phone call away. Our friendly team will help you choose the right student loan product or answer any question you may have.

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Helping Make Financial Decisions Easier

Study up and consider your options so you can make smart financial choices every day. Hungry for more resources? Check out our article page.

Ways to Pay for College in a Pandemic

While many things are unknown about this next semester, if you’re going to attend, you’ll still need to pay for college. Here are some ways to find financial assistance before the semester starts.
Read More about Ways to Pay for College in a Pandemic

What Careers Give You The Most Bang For Your Buck

There are many career paths that will set you up for financial success, but some of them require more time to earn a degree in order to get the job you want.
Read More about What Careers Give You The Most Bang For Your Buck

Student Loan Calculator


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The lowest interest rate requires a creditworthy eligible borrower, and automatically withdrawn (“auto debit”) payments, a five-year repayment term, and borrowers making immediate principal and interest payments. Not all borrowers will receive the lowest rate. back

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About U-fi From Nelnet

Our mission is to help students make smart financial choices and accomplish their educational goals. We're part of a company, Nelnet, that was founded over 40 years ago to serve our customers and make their educational dreams possible. Everything you know about how we serve our customers came from our roots.

Your actual savings may vary based on interest rates, outstanding balances, remaining repayment terms, and other factors.

Average savings based on difference between average interest rate and payoff before refinancing and after refinancing with U-fi From Nelnet between August 2018 and May 2020. Savings reflects both fixed and variable rate loans at time of refinancing and includes all repayment terms. Your actual savings may vary based on interest rates, outstanding balances, remaining repayment terms, and other factors.
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Have questions about student loans? We’ve got answers – lots of them. Below you’ll find a few of our most common questions. If that’s not what you were looking for, check out our FAQ page.

  1. U.S. citizenship or permanent residency status and possession a valid U.S. Social Security number. U-fi From Nelnet Student Loans are currently available in all U.S. states except Vermont.
  2. At least half-time enrollment at a U-fi From Nelnet eligible school for the loan period in question.
  3. Annual income of at least $36,000
  4. Neither borrower nor cosigner can have previously defaulted on a student loan
  5. Neither borrower nor cosigner can have filed for bankruptcy in the past seven years
  6. Have a credit score of 680 or more.

Some of your repayment options include:

  • Immediate repayment (you'll be required to make full principal and interest payments as soon as the loan is disbursed).
  • Interest-only repayment (you’ll make interest-only payments while in school).
  • Defer principal and interest payments (you won’t be required to make any payments until after you graduate).
  • Repayment terms from 5-15 years.

A cosigner is a creditworthy person willing to assume responsibility for loan liabilities if the borrower fails to repay the loan. Applying with a cosigner may help you qualify for a loan and also lower your interest rate. Cosigners must be eligible U.S. citizens or permanent residents.