Nelnet is a company specializing in education financial services. It operates through four segments: Loan Servicing and Systems (LLS), Education Technology Services and Payments (ETSP), Asset Generation and Management (AGM), and Nelnet Bank. The LLS segment focuses on student and consumer loan servicing, loan servicing-related technology solutions, and outsourcing business services. The ETPS segment provides education and payment technology and services for K-12 schools, higher education institutions, churches, and businesses. The AGM segment includes the acquisition and management of student and other loan assets. The Nelnet Bank segment focuses on the private education and unsecured consumer loan markets.