Skip to content

A New Approach to Reaching Your Students, Part IV: Late Stage Delinquency

July 23, 2015

What You Know: Nsight Plus Letter Merge

As you may already know, Nsight Plus, Nelnet’s free reporting tool for schools, offers the ability to generate student-specific letters about their current student loan status. Administrators are able to easily pull borrower data from Nsight Plus, merge the data with the appropriate letter, place letters on your institution’s letterhead, and send by email or physical mail. Letter options include:

  • Deferment Ending – For borrowers within 60 days of their deferment end date
  • Forbearance Ending – For borrowers within 60 days of their forbearance end date
  • X-Days Past DueFor borrowers between 60 and 240 days delinquent
  • Late Stage Delinquency – For borrowers between 241 and 360 days delinquent

You are able to create either letters for a group of students or just individual letters. These letters are available for any borrower serviced by Nelnet, along with those serviced by EdFinancial, Granite State, OSLA, and VSAC. Click here for a step-by-step guide to creating these letters.

A New Approach: Combining Communication with Education

On their own, Nsight Plus’ letters are valuable default prevention and management tools. However, combined with the appropriate Nelnet resources, we think these letters could be an especially powerful tool for your institution. By using our letters in tandem with our resources, borrowers will not only be informed of their loan status, but they will also receive a brief, to-the-point education on topics critical to them in their current status. This is the fourth and final article in our series that looks at how to effectively package letters from Nsight Plus with Nelnet’s resources. In previous articles, we have addressed how to use the Deferment EndingForbearance Ending, and X-Days Past Due letters.

The Late Stage Delinquency letter is sent to borrowers who are 241 to 360 days delinquent. It warns borrowers that if no action is taken, their loan(s) will default in 30 days. The letter lets the borrower know how many days past due their payment is includes ways to contact Nelnet and make that payment. Here is an example of the Late Stage Delinquency letter:


late stage delinquency


Educating borrowers about their situation can help them make wise, educated decisions about student loan repayment. Include our resource on How to Avoid Delinquency and Default on Your Student Loan to help borrowers in late stage delinquency understand the consequences of not making payments. In addition, you could send these borrowers Understanding Deferment and Forbearance, which lays out various options available to borrowers who are struggling to make payments. By pairing these materials with the Late Stage Delinquency letter, borrowers will understand not only that their payment is due, but also why responsible repayment is important to their financial wellbeing.

htadeferment and forb



To sign up for Nsight Plus and start integrating our letters into your school’s default prevention plan, click here. For a look at more useful resources, visit our library.


Kristin Tobias, Communications Coordinator, Nelnet

Kristin Tobias, Communications Coordinator, Nelnet

No comments yet

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: