Privacy Policy

Nelnet Student Loans Pointer · Last updated: 26 August 2026

This is an independent app. Nelnet Student Loans Pointer is not affiliated with, endorsed by, sponsored by, or connected to Nelnet, the U.S. Department of Education, the office of Federal Student Aid, or any other government body. It is an educational guide and calculator. It cannot sign you in, show your balance, change your repayment plan, accept a payment, or influence any decision about your loans.

The short version

This app has no account, no login and no server of its own. It never asks for your Social Security number, your FSA ID, your bank details, a password or a one-time code. Everything you type into the calculators, tick on the checklist, or bookmark stays on your device and is deleted when you uninstall the app.

The one exception is advertising. The app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier in order to serve them. That is described in full below.

1. Information we do not collect

We do not ask for, collect, transmit or store any of the following:

Your name, email address, phone number or postal address
Your Social Security number or date of birth
Your FSA ID, servicer account number or any login credential
Bank account details, card details or any financial account information
Your actual loan balance, repayment plan, payment history or servicer record
Contacts, SMS messages, call logs, photos, files or precise location
Any document or image

The app requests no runtime permissions at all. It has no access to your camera, storage, contacts, microphone or location.

2. Information stored on your device

The following is written to local storage on your phone only. It is never uploaded, never synced, and never visible to us or to anyone else.

What	Why
Figures you have entered into a calculator (balance, interest rate, income)	So you do not have to retype them between screens and sessions
Checklist ticks and repayment-plan step progress	So your progress survives closing the app
Bookmarked guide chapters and answers	So you can find them again
Theme preference and onboarding state	App settings
Advert pacing counters and any ad-free window you have earned	To limit how often adverts appear

You can erase all of it at any time from Settings → Clear saved progress, or by uninstalling the app.

3. Advertising

This app is free and is paid for by advertising supplied by Google AdMob. To serve adverts, measure them and limit how often you see the same one, the Google Mobile Ads SDK may collect and process:

Your device advertising identifier (Android Advertising ID)
Device information such as model, operating system version and language
Coarse, IP-derived location (country or region level)
Advert interaction events, such as an impression or a click

This data is collected by Google, not by us. We never receive it and we cannot link it to you. Google's handling of it is governed by the Google Privacy & Terms.

Your choices

Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any advert is requested. You can change or withdraw that consent at any time from Settings → Ad privacy choices.
You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads. You can also opt out of advert personalisation there.

4. Network requests

The app makes exactly three kinds of outbound request:

Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request contains no information about you.
Advert serving. Requests made by the Google Mobile Ads SDK, described above.
Links you tap. When you open an official link, your browser loads that site directly. Whatever happens there is governed by that site's own privacy policy — including Nelnet's and Federal Student Aid's.

All app traffic uses HTTPS. Cleartext traffic is disabled at the platform level.

5. Children

This app is directed at adults repaying or preparing to repay higher-education loans, and is not intended for children under 13. We do not knowingly collect any information from children.

6. Data retention and deletion

Because no personal data leaves your device, there is nothing for us to retain or delete on a server. Local data is removed when you clear it in Settings or uninstall the app. For data held by Google in connection with advertising, follow Google's own controls linked above.

7. Your rights

Depending on where you live, you may have rights of access, correction, deletion, portability and objection over personal data held about you — for example under U.S. state privacy laws, the UK GDPR or the EU GDPR. Because this app holds no personal data about you on any server, those rights are satisfied by the on-device controls described above. If you believe otherwise, contact us and we will respond.

8. Accuracy of the content

The guidance, figures and calculators in this app are educational estimates worked out from publicly available information about federal student loan repayment. They are not a quotation, an offer, or a statement of your actual loan balance, and they are not financial, tax or legal advice. Rules and amounts change, sometimes by court order. Always confirm with your loan servicer or at StudentAid.gov before acting on anything you read here.

9. Changes to this policy

If this policy changes, the updated version will be published at this address with a new date at the top. Material changes will also be noted in the app's release notes.

10. Contact

Questions about this policy or about the app: publish@djemangin.web.id

Questions about your actual loans, balance, payments or repayment plan must go to your loan servicer, not to us — we have no access to your account: nelnet.studentaid.gov or studentaid.gov.