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Nelnet, Inc.Per NoteTotalPublic Offering Price99.802%Underwriting Discount0.600%Proceeds to Nelnet (before expenses)99.202%NelnetThird partyVolumePercent(dollars in
millions)FFELP and private
loans59.7%40.3%Canadian loans (in U.S. $)Disclosures about Segments of an Enterprise and Related InformationThree months
ended March 31,20052004StudentLoan andAssetGuaranteeOtherManagementServicingSegmentsSegment
revenue77.0%21.1%1.9%59.9%37.4%2.7%Segment net
income (loss) before taxes82.9%15.4%1.7%34.3%68.6%(2.9)%Asset management, including student loan originations and acquisitionsLoans
outstandingFederally insured loans:StaffordPLUS/SLSConsolidationNon-federally insured loansNumber of borrowersAverage outstanding principal balance
per borrowerNumber of loansAverage outstanding principal balance
per loanWeighted average annual borrower
interest rate4.13%Weighted average remaining term (months)SUMMARY CONSOLIDATED FINANCIAL INFORMATIONThree months endedMarch 31,Year ended December 31,(dollars in thousands, except
share data)Income Statement Data:Net
interest incomeLess provision
(recovery) forloan
lossesNet interest
income after provision(recovery)
for loan lossesOther incomeDerivative
market value adjustmentand
net settlementsOperating
expensesIncome before income taxes andminority
interestNet incomeEarnings
per share, basic anddilutedWeighted
average sharesoutstandingOther
Data:Origination and
acquisitionvolume
(a)Average student
loansStudent
loans serviced(at
end of period)Ratios:Core student loan
spread1.64%1.66%1.78%1.65%2.26%Return
on average total assets1.73%0.30%1.11%0.25%0.52%0.12%Return on average
equity54.4%11.7%39.7%19.4%49.2%8.2%Net
loan charge-offs as a percentageof
average student loans0.013%0.096%0.070%0.080%0.047%0.042%0.055%As of March 31,As
of December 31,(dollars in thousands)Balance
Sheet Data:Cash and cash equivalentsStudent
loans receivables, netTotal
assetsBonds
and notes payableShareholders
equityCAPITALIZATIONAs of March 31, 2005ActualAs Adjusted(in thousands, except share
data)Cash
and cash equivalentsBonds
and notes payable (other than notes offered hereby)Notes offered
herebyTotal
bonds and notes payableShareholders
equity:Preferred
stock, $0.01 par value:50,000,000
shares authorized; no shares issued or outstandingClass
A common stock, $0.01 par value:600,000,000
shares authorized; 39,727,864 shares issued andClass
B common stock, $0.01 par value:15,000,000
shares authorized; 13,983,454 shares issued andAdditional
paid-in capitalRetained
earningsUnearned
compensationAccumulated
other comprehensive income, net of taxesTotal
shareholders equityTotal
capitalizationRATIO OF EARNINGS TO FIXED CHARGESThreemonthsendedRatio
of earnings to fixed charges(1)(dollars in millions)FFELP and private loansThree
months ended March 31,Three months ended March 31, 2005 compared to three months ended March 31, 2004ChangeDollarsInterest
income:Loan
interest, excluding variable-ratefloor
income84.9%Variable-rate
floor incomeAmortization
of loan premiums and
deferred
origination costsInvestment
interestTotal
interest income92,
378Interest expense:Interest
on bonds and notes payableLess provision
for loan lossesNet
interest income after provisionfor
loan lossesOther
income:Loan
and guarantee servicing incomeOther
fee-based incomeSoftware
services incomeOther
incomeDerivative
settlements, netTotal
other incomeOperating
expenses:Salaries
and benefitsOther
operating expenses:Depreciation
and amortization,excluding
amortization ofintangible
assetsAmortization
of intangible assetsTrustee
and other debt related feesOccupancy
and communicationsAdvertising
and marketingProfessional
servicesPostage
and distributionTotal
other operating expensesTotal
operating expensesIncome
before income taxesIncome tax
expenseNet
incomeYear ended December 31, 2004 compared to year ended December 31, 200370.6%Amortization
of loan premiums anddeferred
origination costsInterest
expense:Less
provision (recovery) for loan lossesOther income:Derivatives
market value adjustmentDerivatives
settlements, netTrustee
and other debt-related feesConsulting
fees and support servicesto
related partiesIncome
before income taxes andIncome
tax expenseIncome
before minority interestMinority
interest in subsidiary lossYear ended December 31, 2003 compared to year ended December 31, 2002Interest income:Loan interest,
excluding variable-ratefloor
income1.2%Variable-rate
floor incomeAmortization
of loan premiums and deferredorigination
costsInvestment
interestTotal
interest incomeInterest
on bonds and notes payableNet
interest incomeLess provision
for loan lossesNet
interest income after provision forloan
lossesLoan and
guarantee servicing incomeOther
fee-based incomeSoftware
services incomeOther
IncomeDerivatives
market value adjustmentDerivatives
settlements, netTotal
other incomeOperating expenses:Salaries
and benefitsOther
operating expenses:Depreciation
and amortization,excluding
amortization ofintangible
assetsAmortization
of intangible assetsTrustee
and other debt related feesOccupancy
and communicationsAdvertising
and marketingProfessional
servicesConsulting
fees and support servicesto
related partiesPostage
and distributionTotal
other operating expensesTotal
operating expensesIncome
before income taxes andminority
interestIncome
tax expenseIncome
before minority interestMinority
interest in subsidiary lossNet
income$ (21,435)As of March 31, 2005 compared to December 31, 2004As ofDecember 31,Assets:Student loans receivable, net8.0%Other assetsFair value of derivative instruments,
netLiabilities:Bonds and notes
payableOther liabilitiesTotal
liabilitiesShareholders equity:Total
liabilities and shareholdersequityLiquidity and Capital ResourcesInterest rateCarryingrange onamountof totalcarrying amountFinal maturityVariable rate
bonds and notes (a):Bond
and notes based on indices54.1%1.84% - 3.79%11/25/09 - 01/25/41Bond
and notes based on auction1.85% - 3.20%11/01/09 - 07/01/43Total
variable rate bonds and notesCommercial
paper and other2.65% - 2.80%05/13/05 - 09/02/09Fixed-rate
bonds and notes (a)5.20% - 6.68%05/01/05 - 05/01/29Other borrowings2.95% - 6.00%09/23/05 - 11/01/05100.0%Less thanMore than1 year1 to 3 years3 to 5 years5 years_____________(dollars
in thousands)Operating lease
obligationsStudent Loan PortfolioAs of December 31, 2004As of December 31, 2003Federally
insured:36.7%37.5%46.9%Non-federally
insuredUnamortized premiums and deferred
origination costsAllowance for
loan losses:Allowance
federally insuredAllowance
non-federally insuredNetActivity in the Allowance for Loan LossesThree months ended March 31,Balance
at beginning of periodProvision (recovery)
for loan losses:Federally
insured loansNon-federally
insured loansTotal
provision (recovery) forCharge-offs:Total
charge-offsRecoveries, non-federally insured
loansNet charge-offsBalance at end of periodAllocation
of the allowance forloan
losses:Total
allowance for loan lossesNet loan charge-offs
as a percentageTotal allowance
as a percentage of
average student loans0.064%0.159%0.062%0.172%0.147%Total allowance as a percentage
ofending
balance of student loans0.150%0.155%0.143%Non-federally insured allowance
as apercentage
of the ending balanceof
non-federally insured loans9.289%6.923%7.914%6.792%3.495%Ending balance of student loansEnding balance
of non-federallyinsured
loansFederally
Insured Loans:Loans
in-school/grace/deferment (1)$ 3, 584,260Loans
in forbearance (2)Loans
in repayment status:Loans
current89.9%89.6%88.6%Loans
delinquent 31-60 days (3)Loans
delinquent 61-90 days (3)Loans
delinquent 91 days orgreater
(4)Total
loans in repaymentTotal
federally insured loansNon-Federally
Insured Loans:92.0%87.5%Origination and AcquisitionBeginning
balanceDirect channel:Consolidation
loan originationsLess
consolidation of existing portfolioNet
consolidation loanoriginationsStafford/PLUS
loan originationsBranding partner channelForward flow
channelOther channelsTotal
channel acquisitionsLoans acquired in business acquisitionRepayments,
claims, capitalizedinterest
and otherEnding
balanceStudent Loan Spread AnalysisStudent
loan yield6.46%4.71%6.55%5.01%5.91%Consolidation rebate feesPremium and
deferred originationcosts
amortizationStudent
loan net yieldStudent loan cost of funds (a)Student
loan spreadVariable-rate floor incomeSpecial allowance
yield adjustment,net
of settlements on derivatives (b)Core
student loan spreadAverage
balance of student loans(in
thousands)Average balance of debt outstandingInterest Rate RiskFixed-rate
loan assets37.6%41.8%53.6%Variable-rate loans assetsFixed-rate
debt instruments4.3%5.0%Variable-rate
debt instrumentsFixed
interestBorrower/lenderEstimated variableCurrent balance ofrate rangeweighted average yieldconversion rate (a)fixed-rate assets5.5 6.0%5.69%3.05%6.0 6.56.5 7.07.0 8.0> 8.09.5 floor yieldNotional amounts by product
typeWeightedaverage fixedFixed/Floating/rate onfloatingBasisfixedfixed/floatingMaturityswaps (a)swaps (b)swaps (c)swaps2.20%Fair
value (d) (in thousands)$ (2,802)$ (1,164)Change
in fair value of derivativeinstruments$ (2,527)$ (11,918)$ (1,183)Settlements,
net$ (3,741)$ (46,058)$ (2,784)$ (579)Three
months ended March 31, 2005Change from decreaseChange from increaseof 100 basis pointsof 200 basis points(dollars in thousands, except
share data)Effect on earnings:Increase
(decrease) in pre-tax netincome
before impact ofderivative
settlements10.8%$ (10,808)(10.0)%$ (19,529)(18.1)%Impact
of derivative settlementsIncrease
(decrease) in net incomebefore
taxes1.6%$ (908)(0.8)%0.3%Increase
(decrease) in basic anddiluted
earnings per share$ (0.01)Three
months ended March 31, 2004(dollars
in thousands, except share data)Effect
on earnings:149.8%$ (4,484)(30.8)%$ (7,123)(48.9)%Increase
in net income before taxes32.8%142.9%Increase
in basic and dilutedearnings
per shareYear ended December 31, 2004(dollars
in thousands, except share data)29.7%$ (36,312)(15.5)%$ (66,882)(28.5)%4.0%10.2%22.8%Year
ended December 31, 2003(dollars
in thousands, except share data)75.0%$ (18,256)(39.4)%$ (30,356)(65.6)%56.9%$ (12,249)(26.4)%$ (17,154)(37.1)%$ (0.17)$ (0.24)UNDERWRITINGPrincipalUnderwriterAmount of Notes_________________Citigroup Global
Markets Inc.J.P. Morgan
Securities Inc.Credit Suisse
First Boston LLCFifth Third
Securities, Inc.SunTrust Capital
Markets, Inc.INCORPORATION OF DOCUMENTS BY REFERENCEour annual report on Form 10-K for
the year ended December 31, 2004;our quarterly report on Form 10-Q
for the period ended March 31, 2005; andour current reports on Form 8-K filed
on February 10, 2005, March 2, 2005, March 31, 2005 and April 29, 2005.%Third Party56%44%Canadian loans100%42%58%RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDSYear Ended December 31,_________Ratio
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