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We partnered with Nelnet to create an easy-to-use digital platform for students and their families to explore their options to borrow or refinance student loans and to lower their interest costs. The products are available through a digital application, have no origination fees, and interested borrowers can check rates without negatively impacting their credit score. By Adam Hardy Editor. A co-borrower, or co-applicant, applies with you and is equally responsible for payments.