Update by user Nov 21, 2018 UPDATE: They contacted me basically blaming me. They said they had no record of any conversation from me, then sent me a letter stating they couldn’t help me fix my credit. Nelnet just lies constantly. Original review posted by user Oct 22, 2018 was 15 days late on my payment, IMMEDIATELY I set up a Forbearance, it was a tough time, as I had just lost my job. Before this, I paid Nelnet CONSISTENTLY, every month, no late payments, nothing returned. Before they could say anything, I signed up for a Forbearance. Next week, my credit scores drops from a 520 to 473. I was pissed, I emailed, FOUR DIFFERENT TIMES and no one got back to me. This was in August, by the way. Come October, I called to speak to someone after getting no answer from anyone. I was told they hadn't affected my credit at all. WHAT THE *** DO YOU MEAN? I have PROOF if it was Nelnet, and the fact that they get to deny this is, I think, is what *** me off the most. I've been trying to raise my credit score after my first run in with Nelnet. To be fair, the first one was MY fault. Not this time. I did what I had to do. I made sure that my credit score wouldn't drop. Why wait 90 days to affect my credit score the first time, just to wait 15 days, after you've been consistently getting paid? Its unfair.