Nelnet primarily serves as a loan servicer for federal student loans, rather than being a direct lender. They manage the billing and collection of loans that borrowers have acquired through the federal government. Most federal student loans serviced by Nelnet fall under programs such as Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans for parents and graduate students, and Direct Consolidation Loans. In addition to federal loans, Nelnet may also service private student loans. These loans typically come from private lending institutions rather than directly from the government. Borrowers should be aware that when dealing with Nelnet, they are largely managing their repayment plans, making payments, and accessing account information for their existing loans, rather than applying for new loans. For the latest and most accurate information regarding specific loan options and details related to Nelnet's services, it is beneficial to visit the official Nelnet website.