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  <xsd:element abstract="true" id="nni_FederallyInsuredStudentLoansMember" name="FederallyInsuredStudentLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_FfelpWarehouseFacilityEquitySupport" name="FfelpWarehouseFacilityEquitySupport" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_FfelpWarehouseTotalMember" name="FfelpWarehouseTotalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwap2Member" name="FixedRateFloorIncomeInterestRateSwap2Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwap3Member" name="FixedRateFloorIncomeInterestRateSwap3Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwap4Member" name="FixedRateFloorIncomeInterestRateSwap4Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwap5Member" name="FixedRateFloorIncomeInterestRateSwap5Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwapAxis" name="FixedRateFloorIncomeInterestRateSwapAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwapDomain" name="FixedRateFloorIncomeInterestRateSwapDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FixedRateFloorIncomeInterestRateSwapMember" name="FixedRateFloorIncomeInterestRateSwapMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_GainOnSaleOfFinancingReceivables" name="GainOnSaleOfFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_GainOnSaleOfLoansAndDebtRepurchasesNet" name="GainOnSaleOfLoansAndDebtRepurchasesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_GrantKeatingv.PetersonsNelnetLLCetalMember" name="GrantKeatingv.PetersonsNelnetLLCetalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_HeldforinvestmentMember" name="HeldforinvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_HybridDebtInterestRateSwapMember" name="HybridDebtInterestRateSwapMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ImpactOfForeignExchangeContractsOnStatementOfIncomeTableTextBlock" name="ImpactOfForeignExchangeContractsOnStatementOfIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_IncomeLossBeforeIncomeTaxesAndCorporateOverheadAllocation" name="IncomeLossBeforeIncomeTaxesAndCorporateOverheadAllocation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestIncomeAbstract" name="InterestIncomeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestRateIndexAxis" name="InterestRateIndexAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestRateIndexDomain" name="InterestRateIndexDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_InterestRateSwapsFloorIncomeHedgesTableTextBlock" name="InterestRateSwapsFloorIncomeHedgesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_InterestRateSwapsOneMonthToThreeMonthLiborTableTextBlock" name="InterestRateSwapsOneMonthToThreeMonthLiborTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_InterestRateSwapsUnsecuredDebtHedgeTableTextBlock" name="InterestRateSwapsUnsecuredDebtHedgeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_IntersegmentExpenses" name="IntersegmentExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nni_Lineofcreditfacilityterminationdate" name="Lineofcreditfacilityterminationdate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:dateItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_LoanAndGuarantyServicingRevenue" name="LoanAndGuarantyServicingRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_LoanInterest" name="LoanInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_LoansDelinquent121270Days" name="LoansDelinquent121270Days" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent121270DaysPercentage" name="LoansDelinquent121270DaysPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent271DaysOrGreaterInPercentage" name="LoansDelinquent271DaysOrGreaterInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent31DaysOrGreaterInPercentage" name="LoansDelinquent31DaysOrGreaterInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent31To60DaysInPercentage" name="LoansDelinquent31To60DaysInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent61To90DaysInPercentage" name="LoansDelinquent61To90DaysInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent91120Days" name="LoansDelinquent91120Days" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquent91120DaysPercentage" name="LoansDelinquent91120DaysPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansDelinquentGreaterThan271DaysPastDue" name="LoansDelinquentGreaterThan271DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansInForbearance" name="LoansInForbearance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_LoansInRepaymentCurrentInPercentage" name="LoansInRepaymentCurrentInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_LoansInRepaymentStatusAbstract" name="LoansInRepaymentStatusAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_LoansInSchoolGraceAndDeferment" name="LoansInSchoolGraceAndDeferment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_LoansParticipatedMember" name="LoansParticipatedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_LossContingenciesByPartyInvolvedAxis" name="LossContingenciesByPartyInvolvedAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_LossContingenciesByPartyInvolvedDomain" name="LossContingenciesByPartyInvolvedDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_LossContingencyDamagesSoughtValueIfTrebled" name="LossContingencyDamagesSoughtValueIfTrebled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nni_LossContingencyDamagesSoughtValuePerViolation" name="LossContingencyDamagesSoughtValuePerViolation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_Maturity2022Member" name="Maturity2022Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_MaximumAdvanceRatesRangeMaximum" name="MaximumAdvanceRatesRangeMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_MaximumAdvanceRatesRangeMinimum" name="MaximumAdvanceRatesRangeMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_MinimumAdvanceRatesRangeMaximum" name="MinimumAdvanceRatesRangeMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_MinimumAdvanceRatesRangeMinimum" name="MinimumAdvanceRatesRangeMinimum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_NamedPlaintiffMember" name="NamedPlaintiffMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NfslwIWarehouseMember" name="NfslwIWarehouseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NhelpIiWarehouseMember" name="NhelpIiWarehouseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NhelpIiiWarehouseMember" name="NhelpIiiWarehouseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NonAccretableDiscountMember" name="NonAccretableDiscountMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NonFederallyInsuredLoansSoldSubjectToRepurchaseAgreementMember" name="NonFederallyInsuredLoansSoldSubjectToRepurchaseAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NonFederallyInsuredStudentLoansMember" name="NonFederallyInsuredStudentLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOustanding4Member" name="OneMonthToThreeMonthBasisSwapOustanding4Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstancing1Member" name="OneMonthToThreeMonthBasisSwapOutstancing1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding2Member" name="OneMonthToThreeMonthBasisSwapOutstanding2Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding3Member" name="OneMonthToThreeMonthBasisSwapOutstanding3Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding5Member" name="OneMonthToThreeMonthBasisSwapOutstanding5Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding6Member" name="OneMonthToThreeMonthBasisSwapOutstanding6Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding7Member" name="OneMonthToThreeMonthBasisSwapOutstanding7Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthBasisSwapOutstanding8Member" name="OneMonthToThreeMonthBasisSwapOutstanding8Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthLiborBasisSwapMember" name="OneMonthToThreeMonthLiborBasisSwapMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthLiborBasisSwapsAxis" name="OneMonthToThreeMonthLiborBasisSwapsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthToThreeMonthLiborSwapsDomain" name="OneMonthToThreeMonthLiborSwapsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherIncomeExpenseAbstract" name="OtherIncomeExpenseAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PaymentsToTerminateAndorAmendDerivativeInstruments" name="PaymentsToTerminateAndorAmendDerivativeInstruments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nni_PercentOfParValueOfNonFederallyInsuredLoansSubjectToRepurchaseAgreements" name="PercentOfParValueOfNonFederallyInsuredLoansSubjectToRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ProceedsFromSaleOfNonFederallyInsuredStudentLoansSubjectToRepurchaseAgreements" name="ProceedsFromSaleOfNonFederallyInsuredStudentLoansSubjectToRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nni_ProceedsToTerminateAndOrAmendDerivativeInstruments" name="ProceedsToTerminateAndOrAmendDerivativeInstruments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ProformafinancialinformationAbstract" name="ProformafinancialinformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PurchaseOrSaleOfFinancingReceivables" name="PurchaseOrSaleOfFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_PurchaseofresidualinterestMember" name="PurchaseofresidualinterestMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PurchasesOfStudentLoansFromRelatedParty" name="PurchasesOfStudentLoansFromRelatedParty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_RepurchaseObligation" name="RepurchaseObligation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_RepurchaseObligationAxis" name="RepurchaseObligationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RepurchaseObligationDomain" name="RepurchaseObligationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RepurchaseObligationLineItems" name="RepurchaseObligationLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RepurchaseObligationTable" name="RepurchaseObligationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_RestrictedCashDueToCustomers" name="RestrictedCashDueToCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_RestrictedCashFairValue" name="RestrictedCashFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_ScheduleOfDebtAndCapitalLeaseObligationsTableTable" name="ScheduleOfDebtAndCapitalLeaseObligationsTableTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ScheduleofassetbackedsecuritizationsTableTextBlock" name="ScheduleofassetbackedsecuritizationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_StaffordAndOtherMember" name="StaffordAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_StudentLoanAndGuarantyServicingMember" name="StudentLoanAndGuarantyServicingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_StudentLoanAssetBackedSecuritiesEuroNoteDomain" name="StudentLoanAssetBackedSecuritiesEuroNoteDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_StudentLoanAssetBackedSecuritiesEuroNotesAxis" name="StudentLoanAssetBackedSecuritiesEuroNotesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_StudentLoanDiscountAccretion" name="StudentLoanDiscountAccretion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SubsequentEventAbstract" name="SubsequentEventAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ThanZawv.NelnetInc.Member" name="ThanZawv.NelnetInc.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_TotalFeeBasedMember" name="TotalFeeBasedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_TotalLoansInRepayment" name="TotalLoansInRepayment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_TotalLoansInRepaymentInPercentage" name="TotalLoansInRepaymentInPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_TransferfromtheRepurchaseObligationRelatedtoLoansSoldorPurchasedandothernet" name="TransferfromtheRepurchaseObligationRelatedtoLoansSoldorPurchasedandothernet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_TransfertotheAllowanceforLoanLossesRelatedtoLoansSoldorPurchasedandothernet" name="TransfertotheAllowanceforLoanLossesRelatedtoLoansSoldorPurchasedandothernet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_TuitionPaymentProcessingAndCampusCommerceMember" name="TuitionPaymentProcessingAndCampusCommerceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_TuitionPaymentProcessingAndCampusCommerceRevenue" name="TuitionPaymentProcessingAndCampusCommerceRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_UnionBankAndTrustCompanyMember" name="UnionBankAndTrustCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_UnsecuredDebtInterestRateSwaps1Member" name="UnsecuredDebtInterestRateSwaps1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_UnsecuredDebtInterestRateSwapsAxis" name="UnsecuredDebtInterestRateSwapsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_UnsecuredDebtInterestRateSwapsDomain" name="UnsecuredDebtInterestRateSwapsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_UnvestedRestrictedStockShareholdersMember" name="UnvestedRestrictedStockShareholdersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_VariableRateBondsAndNotesMember" name="VariableRateBondsAndNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


