Nelnet Student Loans
You have big dreams. We want to help them come true. U-fi From Nelnet helps you meet educational costs and achieve educational goals.
Student Loans
U-fi From Nelnet has undergraduate, graduate, MBA, law, and health professionals loan options.
Rates listed above include an interest rate reduction for eligible applications and enrollment into auto debit 1
Get StartedSee your rate in minutes without affecting your credit score.
Three Easy Steps
- 1
Start Loan Application
- 2
Add Cosigner (if required)
- 3
Select Loan Offer
A Note About Private Loans
Before taking out a private 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 loan.
Get StartedWhy U-fi From Nelnet?
Student loans can cover costs that aren’t met by federal funding. No matter which stage of higher education you’re in, we’re here to help. Offering low rates, no origination fees, and multiple repayment options, U-fi From Nelnet supports the diverse needs of today’s student borrower.
Auto Debit Savings
Cosigner Release
Flexible Repayment Options
What U-fi From Nelnet Customers Are Saying
Why Would I Want a Cosigner?
Cosigners help you qualify for student loans and may help reduce your interest rate. As a student, it’s likely you’ll need a trusted individual with a solid credit score to act as your cosigner.
Get StartedFrequently Asked Questions
What is a cosigner?
What are the eligibility requirements for a U-fi From Nelnet student loan?
- 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.
- At least half-time enrollment at a U-fi From Nelnet eligible school for the loan period in question.
- Annual income of at least $36,000
- Neither borrower nor cosigner can have previously defaulted on a student loan
- Neither borrower nor cosigner can have filed for bankruptcy in the past seven years
- Have a credit score of 680 or more.
When should I consider a private student loan?
How much can I borrow?
- Minimum loan amount: $1,000
- Maximum loan amount: $125,000
- Minimum loan amount: $1,000
- Maximum student loan limit:
- Graduate and doctorate: $175,000
- MBA or graduate law degree: $175,000
- Graduate health professions degree: $500,000
What kind of repayment options are available?
- 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.
How do I know if I’m eligible for a U-fi From Nelnet loan?
- Be an undergraduate or graduate student enrolled at least half-time at an eligible institution.
- Be a U.S. citizen or permanent resident, or have a qualified cosigner who meets those requirements.
- Pass a credit check and provide proof of income, or have a qualified cosigner who meets those requirements.