Nelnet Loans Customer Service

Phone Number & Contact Info

Nelnet Loans's Best Phone Number

Toll-free·Calls Customer Service·Most popular Nelnet Loans number

How do I talk to a live human at Nelnet Loans?

A:Must enter social security number.

Does Nelnet Loans offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Saturday, and the most busy day is Monday.

How long will I wait on hold?

A:The average hold time is 4 minutes. The longest hold times are on Wednesday, and the shortest are on Friday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Nelnet Loans phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Must enter social security number.
Here is how our research team describes the way the Nelnet Loans phone system greets you: Technical issues, press 1; otherwise, please remain on the line for additional options.
Below are some clips we've found from Nelnet Loans's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Thank you for calling Nelnet. For information regarding Biden's newest efforts towards forgiveness, and whether you may be eligible, we encourage you to visit student aid dot gov slash debt relief. You do not need to take any steps at this time. To be eligible for the president's newest debt relief efforts.
Again, please visit student aid dot gov slash debt relief for more information.
In order to expedite your call, please enter your nine digit Social Security number or your ten digit Nelnet account number, including the e preceding your account number."
Excerpt from a call with Nelnet Loans
Monday, June 17, 2024 5:31 PM

What are the hours and when should I call?

Nelnet Loans operates the call center for this 888-486-4722 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 193 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Nelnet Loans phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Nelnet Loans staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Nelnet Loans is Saturday. The most busy day to call is Monday, which averages 370% more phone calls by comparison. Again, this is based on a sample of 193 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Wednesday.

The best time to call Nelnet Loans

In summation, the best day to call Nelnet Loans is Thursday.

Calling this Nelnet Loans Customer Number

Adam Goldkamp is the editor / author responsible for this content.
May 29, 2024

When you call the customer service phone number for Nelnet Loans, you're greeted by an automated messaging system. It says, "Thank you for calling Nelnet," and then there is complete silence. I tried pressing the keypad, but there was no response. I then attempted to engage voice activation by speaking, in case the line was voice activated; again, there was only silence.

I hung up and dialed again, and the same thing happened: "Thank you for calling," then complete silence. I assume their customer service phone line is broken, or there's some sort of significant issue going on with it, but it's eerie nonetheless. 

The second time I called, I didn't hang up right away. I was curious if anything would happen. With other customer service phone lines, sometimes if you don't say anything or make a keypad selection, an alternative phone menu will be presented or you will be automatically transferred to a representative. In this case, for this specific phone number, nothing happened.

(I can't explain why, but the creepy silence somehow reminded me of The Backrooms.) Anyway, I stayed on the line for a few minutes, waiting to see if anything would happen, but there was no response. So, the line is broken.

I entered the phone number in a search engine, curious to see what other people are saying. The number is still listed as the official customer service phone number for the company. That is very bizarre. Additionally, I didn't find any information on the line being down or broken, so perhaps my experience is a fluke.

Regardless, customers should consider trying a different number or seeking assistance via the website. At the time of this writing, 888-486-4722 is a dead end.

I wonder if the line was partially but not completely dismantled. Who knows! Although, it certainly is creepy.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

Why Customers Call Nelnet Loans

If you have time to do a bit of reading before you call Nelnet Loans, we recommend you read over some of our problem-specific articles.

What are the eligibility requirements for a Nelnet Loan?

To be eligible for a Nelnet Loan, there are a few key requirements you must meet. Firstly, you must be enrolled at least half-time in an eligible college or university. Additionally, you must be a U.S. citizen or a permanent resident. A valid Social Security number is also necessary. Another key requirement is maintaining satisfactory academic progress set by your institution. Furthermore, you should not have any previous defaulted federal student loans. Meeting these general eligibility criteria is important, but it's also vital to note that each loan program may have its specific requirements. It's advisable to check the specific eligibility guidelines for the loan program you are interested in to ensure you meet all necessary requirements and can make an informed decision.

What is the interest rate for Nelnet Loans?

The interest rate for Nelnet Loans varies and depends on several factors such as the type of loan, the borrower's creditworthiness, and the current market conditions. Nelnet offers both federal and private student loans, each with its own interest rate structure. Federal student loans have fixed interest rates that are determined by the government and adjusted annually. Private student loans, on the other hand, have variable interest rates that are influenced by market indexes such as the LIBOR or Prime Rate, and they can also be affected by the borrower's credit score. To find out the current interest rates for Nelnet Loans, it is recommended to visit their website or contact their customer service for accurate and up-to-date information.

What are the repayment options for Nelnet Loans?

Nelnet Loans offer a variety of repayment options to suit borrowers' needs. One option is the Standard Repayment Plan, which allows borrowers to make fixed monthly payments over a 10-year period. Another option is the Graduated Repayment Plan, where payments start low and increase every two years, also spanning a 10-year period. For those experiencing financial difficulties, Nelnet offers Income-Driven Repayment Plans, such as Income-Based, Pay As You Earn, and Income-Contingent Repayment. These plans calculate payment amounts based on the borrower's income, ensuring an affordable amount. Additionally, Nelnet offers extended repayment plans, spanning up to 25 years, and options for loan consolidation or refinancing. Borrowers can choose the plan that best aligns with their financial situation and goals for successful loan repayment.

Top Nelnet Loans customer service problems

Click the link above to get answers to just about any Nelnet Loans customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.

More Nelnet Loans Customer Service Contacts

There are of course other ways to contact Nelnet Loans customer service besides the phone. Below we list the best ones, by medium.

Nelnet Loans Customer Service Live Chat

nelnet.com - Customer Service
Use this link to connect with customer service via chat
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Nelnet Loans provides this option.

Nelnet Loans Customer Service on X (formerly Twitter)

@Nelnet - Customer Service
Customer service Twitter feed
Nelnet Loans, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Nelnet Loans Customer Help Desk / Web Support

As a last, sometimes only, resort- Nelnet Loans customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Nelnet Loans's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Nelnet Loans agent. This phone number is Nelnet Loans's best phone number because 13,968 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 888-486-4722 include Request a loan, Eligibility question, Repayment question, Overcharge/Strange charge, Extension and other customer service issues. Rather than trying to call Nelnet Loans first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or twitter or chat. In total, Nelnet Loans has 1 phone number. It's not always clear what is the best way to talk to Nelnet Loans representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Nelnet Loans. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Nelnet Loans. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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