I’ve keep my payments current from day 1 and Nelnet has helped me keep my payments low and affordable. Whenever I’ve had a problem coming up with the payment, I’ve contact Nelnet before the payment was due and they helped me through. Lost my job, no problem, no payments for 6 months. County declared a national disaster area, Nelnet contact me and asked if I need help!
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They will tell you to do a Forbearance, just for them to drop your credit scores 30-45 points, and then deny they ever did it. They WILL NOT get back to you through email, and apparantly their system isn't updated enough to know which ways they screwed you over. Stay far far away from Nelnet!