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  <xsd:element id="nni_EquityInSubsidiaryIncome" name="EquityInSubsidiaryIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_EuroNoteInterestRateSwap1EuroValueMember" name="EuroNoteInterestRateSwap1EuroValueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_EuroNoteInterestRateSwap2EuroValueMember" name="EuroNoteInterestRateSwap2EuroValueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ExpirationOfLiquidityProvisions" name="ExpirationOfLiquidityProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:dateItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FairValueTransfersAbstract" name="FairValueTransfersAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FavorablyaffecttheeffectivetaxrateMember" name="FavorablyaffecttheeffectivetaxrateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FederallyInsuredLoansExcludingRehabiliationLoansMember" name="FederallyInsuredLoansExcludingRehabiliationLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FederallyInsuredStudentLoansAxis" name="FederallyInsuredStudentLoansAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FederallyInsuredStudentLoansDomain" name="FederallyInsuredStudentLoansDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FederallyInsuredStudentLoansMember" name="FederallyInsuredStudentLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FeesPaidToOrFromUnionBankAxis" name="FeesPaidToOrFromUnionBankAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_FeesPaidToUnionBankAsCustodian" name="FeesPaidToUnionBankAsCustodian" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FeesPaidToUnionBankDomain" name="FeesPaidToUnionBankDomain" 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_FixedRateFloorIncomeInterestRateSwap1Member" name="FixedRateFloorIncomeInterestRateSwap1Member" 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_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_FixedRateFloorIncomeMember" name="FixedRateFloorIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_FundingParticipationAgreementAbstract" name="FundingParticipationAgreementAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_Futureobligationtofundsubparticipation" name="Futureobligationtofundsubparticipation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nni_GainFromDebtRepurchases" name="GainFromDebtRepurchases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_GoodwillAbstract" name="GoodwillAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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_HealthAndProductivityServicesMember" name="HealthAndProductivityServicesMember" 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_IncomeTaxesAbstract" name="IncomeTaxesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_IncreaseDecreaseResultingFromAbstract" name="IncreaseDecreaseResultingFromAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_IntangibleAssetsAbstract" name="IntangibleAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestAndPenaltiesRelatedToUncertainTaxProvisionsAxis" name="InterestAndPenaltiesRelatedToUncertainTaxProvisionsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestAndPenaltiesRelatedToUncertainTaxProvisionsDomain" name="InterestAndPenaltiesRelatedToUncertainTaxProvisionsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestAndPenaltiesRelatedToUncertainTaxProvisionsLineItems" name="InterestAndPenaltiesRelatedToUncertainTaxProvisionsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InterestAndPenaltiesRelatedToUncertainTaxProvisionsTable" name="InterestAndPenaltiesRelatedToUncertainTaxProvisionsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" 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_InvestmentInSubsidiaries" name="InvestmentInSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_InvestmentInSubsidiaryDebt" name="InvestmentInSubsidiaryDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_InvestmentServicesAxis" name="InvestmentServicesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_InvestmentServicesDomain" name="InvestmentServicesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_January202012UnionBankAndWhitetailRockCapitalManagementAgreementMember" name="January202012UnionBankAndWhitetailRockCapitalManagementAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_JuniorSubordinatedHybridSecuritiesAbstract" name="JuniorSubordinatedHybridSecuritiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_LeaseArrangementsAbstract" name="LeaseArrangementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 abstract="true" id="nni_LoanPurchasesAbstract" name="LoanPurchasesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_LoanServicingAbstract" name="LoanServicingAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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_MajorCustomerAbstract" name="MajorCustomerAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 abstract="true" id="nni_Maturity2036Member" name="Maturity2036Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_MaturityOfLongTermDebtAbstract" name="MaturityOfLongTermDebtAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 abstract="true" id="nni_MaximumEmployeeContribuionPercentageEligibleFor50PercentEmployeerMatchAfter100PercentEmployerMatchMember" name="MaximumEmployeeContribuionPercentageEligibleFor50PercentEmployeerMatchAfter100PercentEmployerMatchMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_MaximumEmplyeeContributionPercentageEligibleFor100PercentEmployerMatchMember" name="MaximumEmplyeeContributionPercentageEligibleFor100PercentEmployerMatchMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_MaximumParticipationToUnionBankFfelpLoans" name="MaximumParticipationToUnionBankFfelpLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_May92011UnionBankAndWhitetailRockCapitalManagementAgreementMember" name="May92011UnionBankAndWhitetailRockCapitalManagementAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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_NatureOfOperationsAbstract" name="NatureOfOperationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 id="nni_NonEmployeeDirectorStockAtLowerCost" name="NonEmployeeDirectorStockAtLowerCost" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_NonEmployeeDirectorStockCumulativeDeferredShares" name="NonEmployeeDirectorStockCumulativeDeferredShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_NonEmployeeDirectorsCompensationPlanAbstract" name="NonEmployeeDirectorsCompensationPlanAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NonEmployeeSharesIssuedAxis" name="NonEmployeeSharesIssuedAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_NonEmployeeSharesIssuedDomain" name="NonEmployeeSharesIssuedDomain" 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_October312013PurchaseofresidualinterestMember" name="October312013PurchaseofresidualinterestMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthLIBORMember" name="OneMonthLIBORMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthLiborDailyResetMember" name="OneMonthLiborDailyResetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OneMonthLiborMonthlyResetMember" name="OneMonthLiborMonthlyResetMember" 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_OperatingLeasesAbstract" name="OperatingLeasesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_OtherAssetsPolicyTextBlock" name="OtherAssetsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherBorrowingsAbstract" name="OtherBorrowingsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherBorrowingsAxis" name="OtherBorrowingsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherBorrowingsDomain" name="OtherBorrowingsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherBorrowingsMember" name="OtherBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_OtherFeesPaidToReceivedFromUnionBankAbstract" name="OtherFeesPaidToReceivedFromUnionBankAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 abstract="true" id="nni_OtherservicesMember" name="OtherservicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_PaidToUnionBankMember" name="PaidToUnionBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ParentOnlyBalanceSheetTableTextBlock" name="ParentOnlyBalanceSheetTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ParentOnlyIncomeStatementTableTextBlock" name="ParentOnlyIncomeStatementTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ParentOnlyResultsOfOperationsAbstract" name="ParentOnlyResultsOfOperationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ParentOnlyStatementOfCashFlowsTableTextBlock" name="ParentOnlyStatementOfCashFlowsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ParentOnlyStatementofComprehensiveIncomeAbstract" name="ParentOnlyStatementofComprehensiveIncomeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ParentOnlyStatementofOtherComprehensiveIncomeTableTextBlock" name="ParentOnlyStatementofOtherComprehensiveIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ParentOnlyStatementsOfCashFlowsAbstract" name="ParentOnlyStatementsOfCashFlowsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PaymentsReceivedOnEmployeeStockNotesReceivable" name="PaymentsReceivedOnEmployeeStockNotesReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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_PercentOfAircraftOwned" name="PercentOfAircraftOwned" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_PercentOfBasisPointsEarnedOnOutstandingBalancePaidToCustodian" name="PercentOfBasisPointsEarnedOnOutstandingBalancePaidToCustodian" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_PercentOfEmployeeSalaryToReceiveEmployerMatchAxis" name="PercentOfEmployeeSalaryToReceiveEmployerMatchAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_PercentOfEmployeeSalaryToReceiveEmployerMatchDomain" name="PercentOfEmployeeSalaryToReceiveEmployerMatchDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PercentOwnershipOfUnionFinancialServicesInc" name="PercentOwnershipOfUnionFinancialServicesInc" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nni_Proceedspaymentstoterminateandoramendderivativeinstruments" name="Proceedspaymentstoterminateandoramendderivativeinstruments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nni_PropertyPlantAndEquipmentUsefulLifeRangeMaximum" name="PropertyPlantAndEquipmentUsefulLifeRangeMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PropertyPlantAndEquipmentUsefulLifeRangeMinimum" name="PropertyPlantAndEquipmentUsefulLifeRangeMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_PurchaseSaleofFinancingReceivables" name="PurchaseSaleofFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nni_Purchasedaccruedinterest" name="Purchasedaccruedinterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nni_PurchaseofSubsidiaryDebt" name="PurchaseofSubsidiaryDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_QuarterlyFinancialInformationAbstract" name="QuarterlyFinancialInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ReceivablesduefromUnionBankandTrust" name="ReceivablesduefromUnionBankandTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ReceivedFromUnionBankMember" name="ReceivedFromUnionBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_ReductionOfEmployeeStockNotesReceivable" name="ReductionOfEmployeeStockNotesReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RenWebAcquisitionMember" name="RenWebAcquisitionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 id="nni_RepurchaseObligationAssociatedWithLoansSoldOnJanuary132011" name="RepurchaseObligationAssociatedWithLoansSoldOnJanuary132011" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RepurchaseObligationAxis" name="RepurchaseObligationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_RepurchaseObligationCurrentPeriodIncome" name="RepurchaseObligationCurrentPeriodIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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_RequiredMinimumBalanceAfterOptionalRedemption" name="RequiredMinimumBalanceAfterOptionalRedemption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_RestrictedCashDueToCustomersPolicyTextBlock" name="RestrictedCashDueToCustomersPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <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_RevenueOrExpenseAxis" name="RevenueOrExpenseAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_RevenueOrExpenseDomain" name="RevenueOrExpenseDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SLABSFundISLABSFundIISLABSFundIIISLABSFundIVandSLABSFundVMemberMember" name="SLABSFundISLABSFundIISLABSFundIIISLABSFundIVandSLABSFundVMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfDebtAndCapitalLeaseObligationsTableTable" name="ScheduleOfDebtAndCapitalLeaseObligationsTableTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfEffectiveTaxRateReconciliationAxis" name="ScheduleOfEffectiveTaxRateReconciliationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfEffectiveTaxRateReconciliationDomain" name="ScheduleOfEffectiveTaxRateReconciliationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfEffectiveTaxRateReconciliationLineItems" name="ScheduleOfEffectiveTaxRateReconciliationLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfEffectiveTaxRateReconciliationTable" name="ScheduleOfEffectiveTaxRateReconciliationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfIncomeTaxExpenseBenefitLineItems" name="ScheduleOfIncomeTaxExpenseBenefitLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfIncomeTaxExpenseOrBenefitAxis" name="ScheduleOfIncomeTaxExpenseOrBenefitAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfIncomeTaxExpenseOrBenefitDomain" name="ScheduleOfIncomeTaxExpenseOrBenefitDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ScheduleOfIncomeTaxExpenseOrBenefitTable" name="ScheduleOfIncomeTaxExpenseOrBenefitTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SecuredlineofcreditMember" name="SecuredlineofcreditMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SellingGeneralAndAdministrativeExpensesAxis" name="SellingGeneralAndAdministrativeExpensesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SellingGeneralAndAdministrativeExpensesDomain" name="SellingGeneralAndAdministrativeExpensesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ShareholdersEquityAbstract" name="ShareholdersEquityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_SharesContributedToTrusts" name="SharesContributedToTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_SharesIssuedDeferredMember" name="SharesIssuedDeferredMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SharesIssuedNotDeferredMember" name="SharesIssuedNotDeferredMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_SquareFootageLeasedToUnionBankAndTrustCompany" name="SquareFootageLeasedToUnionBankAndTrustCompany" nillable="true" substitutionGroup="xbrli:item" type="num:areaItemType" 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_StatementOfComprehensiveIncomeAbstract" name="StatementOfComprehensiveIncomeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_StockBasedCompensationPlansAbstract" name="StockBasedCompensationPlansAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_StockRepurchasesPolicyTextBlock" name="StockRepurchasesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_StockRepurchasesTableTextBlock" name="StockRepurchasesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" 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 id="nni_StudentLoanFairValueDiscount" name="StudentLoanFairValueDiscount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_StudentLoanSecuritizationTrustsMemberMember" name="StudentLoanSecuritizationTrustsMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_StudentLoansEarningFixedRateFloorIncome" name="StudentLoansEarningFixedRateFloorIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nni_SubParticipationMember" name="SubParticipationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SubparticipationAgreementAbstract" name="SubparticipationAgreementAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SummaryOfSignificantAccountingPoliciesAbstract" name="SummaryOfSignificantAccountingPoliciesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_SupplementalDisclosuresOfCashFlowInformationAbstract" name="SupplementalDisclosuresOfCashFlowInformationAbstract" 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_ThirdPartyMember" name="ThirdPartyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ThreeMonthLiborQuarterlyResetMember" name="ThreeMonthLiborQuarterlyResetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_ThreeMonthTreasuryBillDailyResetMember" name="ThreeMonthTreasuryBillDailyResetMember" 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 abstract="true" id="nni_TransactionsWithUnionBankAndTrustCompanyAbstract" name="TransactionsWithUnionBankAndTrustCompanyAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <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_TransfersOfFinancialAssetsAndExtinguishmentOfLiabilitiesPolicyTextBlock" name="TransfersOfFinancialAssetsAndExtinguishmentOfLiabilitiesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nni_TransfertotheAllowanceforLoanLossesRelatedtoLoansSoldorPurchasedandothernet" name="TransfertotheAllowanceforLoanLossesRelatedtoLoansSoldorPurchasedandothernet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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_UnionFinancialServicesIncMember" name="UnionFinancialServicesIncMember" 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 id="nni_UnsecuredDebtScheduledInterestRateChangeDate" name="UnsecuredDebtScheduledInterestRateChangeDate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:dateItemType" 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:element id="nni_WeightedAverageVariableConversionRate" name="WeightedAverageVariableConversionRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_YearFiveMember" name="YearFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_YearFourMember" name="YearFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_YearOneMember" name="YearOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_YearThreeMember" name="YearThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nni_YearTwoMember" name="YearTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


