Document:

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                                                                    Exhibit 10.1

                           STOCKHOLDERS AGREEMENT FOR
                           UNIPAC SERVICE CORPORATION

      This Stockholders Agreement for UNIPAC Service Corporation (the
"Agreement") is made and entered into as of the 2nd day of March, 2000, by and
among UNIPAC Service Corporation, a Nebraska corporation (the "Company"),
Farmers & Merchants Investment Inc., a Nebraska corporation ("F&M"), Packers
Service Group, Inc., a Nebraska corporation ("PSG"), Great Plains Financial,
LLC, a Colorado limited liability company ("Great Plains"), New Horizon
Holdings, LLC, a Colorado limited liability company ("New Horizon Holdings"),
stockholders of the Company (and their respective spouses) who execute this
Agreement and each other person or entity hereafter becoming a party to this
Agreement in accordance with the terms hereof or otherwise (all such persons or
entities being collectively referred to hereinafter as the "Shareholders").

                                    RECITALS

      A. The Shareholders are the record and beneficial owners of the issued and
outstanding capital stock of the Company, in the respective amounts set forth
opposite their respective names in Exhibit "A", attached hereto.

      B. The Shareholders desire to grant certain rights and to impose certain
restrictions relating to the transfer of the shares of common stock of the
Company owned by the Shareholders in order to advance the Company's welfare and
the prospects for its success, as well as to establish certain orderly
procedures for the transfer of the shares of stock of the Company as a means of
avoiding disruptions of the Company's affairs.

      NOW, THEREFORE, in consideration of the foregoing premises and the mutual
covenants herein contained, the parties hereto agree as follows:

I.    TRANSFER OF COMMON STOCK

      1.1 Transfers by Shareholders Prohibited Without Consent. Unless otherwise
      expressly permitted by this Agreement, no Shareholder nor any successor or
      assign thereof, may directly or indirectly sell, assign, pledge, encumber,
      hypothecate or otherwise transfer ("Transfer") any interest in any of the
      shares of stock of the Company (the "Stock") or permit any such interest
      to be subject to Transfer, directly or indirectly, by operation of law or
      agreement, without obtaining the prior written consent of holders of an
      aggregate of more than fifty percent (50%) of the shares of Class A Common
      Stock (collectively, the "Class A Shareholders") and their successors and
      assigns, as provided in Section 1.3 hereof. Notwithstanding the receipt of
      prior written consent, any such permitted or approved Transfer shall be
      null and void and the Company shall refuse to recognize such Transfer: (i)
      if such Transfer would be made in a transaction to which the registration
      requirements of the Securities Act of 1933, as amended (the "1933 Act")
      are applicable unless such interest is

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      registered under the 1933 Act or is Transferred pursuant to an exemption
      from the registration requirements of the 1933 Act, or would violate any
      applicable state securities laws, rules or regulations; and (ii) unless
      the transferee shall execute and deliver to each party hereto an agreement
      acknowledging that all shares of or interest in any Stock in the Company
      so transferred are and shall remain subject to this Agreement, and
      agreeing to be personally bound hereby. Any purported Transfer in any
      other manner shall be null and void and shall not be recognized or given
      effect by the parties hereto.

      1.2 Transfers by Shareholders to Permitted Transferees.

            (a) Each Shareholder may at any time, without the consent of the
            other Shareholders, and without the applicability of Sections 1.3
            and 1.4 hereof, Transfer any or all of its shares of or interest in
            Stock in the Company to (i) any person or entity which already is a
            Shareholder, or (ii) any voting trust to which a Shareholder is the
            voting trustee, provided the beneficial owners are Shareholders
            (collectively, the foregoing shall be referred to hereinafter as a
            "Permitted Transferee").

            (b) Notwithstanding Section 1.2(a), any such Transfer shall be null
            and void and the Company shall refuse to recognize such Transfer (i)
            if such Transfer would be made in a transaction to which the
            registration requirements of the 1933 Act are applicable unless such
            interest is registered under the 1933 Act or is Transferred pursuant
            to an exemption from the registration requirements of the 1933 Act,
            or would violate any applicable or would violate any applicable
            state securities laws, rules or regulations; and (ii) unless the
            Permitted Transferee executes and delivers to each party hereto an
            agreement acknowledging that all shares of or interest in any Stock
            in the Company so transferred are and shall remain subject to this
            Agreement, and agreeing to be personally bound hereby. No Transfer
            by a Shareholder or any of its Permitted Transferees under Section
            1.2(a) shall release such Shareholder from any obligations or
            liabilities under this Agreement.

            (c) Any Shareholder or Permitted Transferee intending to Transfer
            any shares of or interest in Stock in the Company pursuant to this
            Section 1.2 shall notify the Shareholders of any intended Transfer
            ten (10) days prior to such Transfer, giving the name and address of
            the intended Permitted Transferee and the Permitted Transferee's
            status as set forth in Section 1.2(a) hereof; provided, however,
            that no otherwise valid Transfer shall be rendered invalid solely as
            a result of a failure to give notice hereunder.

      1.3 Notice of Intention to Sell. Except as otherwise specifically
      permitted in this Agreement, a Shareholder shall not Transfer any shares
      or interest in the Stock of the Company unless such Shareholder (the
      "Offering Shareholder") shall have given written notice to the Company and
      the Class A Shareholders of an intention to do so (the "Notice")

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      and (i) obtained the written consent from holders of an aggregate of more
      than fifty percent (50%) of the shares of Class A Common Stock (including
      the Offering Shareholder) and (ii) complied with and met the conditions
      prescribed by the other applicable provisions of this Agreement. The
      Notice shall be accompanied by a summary of the terms and conditions of
      the proposed sale specifying the identity of the transferee, the number of
      shares of Stock in the Company to be sold, the purchase price and the
      terms of payment. If the Offering Shareholder has entered into any written
      agreement with respect to the proposed sale, a copy of such agreement
      shall accompany the Notice. The Company shall promptly forward the Notice
      to the Shareholders, unless the holders of an aggregate of more than 50%
      of the shares of Class A Common Stock direct the Company not to forward
      the Notice.

      1.4 Purchase Option of Shareholders. Shareholders other than the Offering
      Shareholder shall have the exclusive right and option, exercisable at any
      time during a period of thirty (30) days after the receipt of the Notice
      by the Company, to purchase all or any portion of the Stock proposed to be
      Transferred. If the Shareholders other than the Offering Shareholder do
      not respond to the Notice within such thirty (30) day period, the
      Shareholders other than the Offering Shareholder shall be conclusively
      presumed to have chosen not to exercise their option hereunder.

      If a Shareholder elects to purchase all or any portion of the Stock
      proposed to be Transferred, the purchase and sale of the Stock shall be
      closed sixty (60) days after the Offering Shareholder receives notice of
      the election to purchase the Stock from such Offering Shareholder, or on
      such other date as may be agreed upon by Shareholders participating in the
      transaction. The purchase price to be paid by the Shareholders for such
      Stock shall be the lesser of (i) the purchase price as set forth in the
      Notice, and (ii) the then current book value of the Stock to be sold by
      the Offering Shareholder as determined under generally accepted accounting
      principles as of the date of closing, and based on the most recent audited
      financial statement of the Company. In the event that more than one of the
      other Shareholders elect to purchase the Stock of the Offering
      Shareholder, then such remaining Shareholders shall purchase the Offering
      Shareholder's Stock on a pro rata basis. The Notice from the Offering
      Shareholder shall not provide for any consideration that is neither cash
      nor an obligation to pay cash in the future. To the extent not purchased
      by the Shareholders in accordance with the foregoing provisions, the Stock
      described in the Notice may be sold to the person or entity identified in
      the Notice; such sale of Stock to any such other party shall be made
      within ninety (90) days following delivery of the Notice, and no change of
      terms of the proposed sale shall be permitted without a new notice of
      intention to sell and subsequent compliance with the requirements of this
      Agreement.

      Notwithstanding the provisions set forth above in this Section 1.4,
      Shareholders other than Class A Shareholders shall have no option to
      purchase the Offering Shareholder's Stock if the holders of an aggregate
      of more than fifty percent (50%) of the shares of Class A Common Stock
      direct the Company not to forward the Notice to the Shareholders.

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      1.5 Redemption Option of the Company.

            (a) Option. Each of the Shareholders do hereby grant to the Company
            an irrevocable option (the "Option") to redeem all or a portion of
            the Shareholders' respective interests in Stock if any event
            described below ("Triggering Event") occurs with respect to such
            Shareholder: (i) a Shareholder who, at the time such Shareholder
            initially acquired Stock in the Company, held a position as
            employee, officer or director of the Company or any affiliate
            thereof, thereafter ceases status as an employee, officer or
            director of the Company or any affiliate thereof; (ii) a final
            decree of divorce of a Shareholder is entered, unless prior thereto
            the Shareholder has acquired all of his/her divorced spouse's
            interest in the stock of the Company in his/her name on the books of
            the Company; or (iii) a "Change in Control" (as defined below)
            occurs with respect to Great Plains or New Horizon. Each Shareholder
            who is subject to a Triggering Event shall immediately give written
            notice (the "Triggering Event Notice") to the Company of the
            occurrence of a Triggering Event. If the Triggering Event Notice is
            not actually given, the Company shall acquire the Option at any time
            after the Company obtains actual knowledge of the occurrence of such
            Triggering Event. In the event the Company exercises the Option, it
            shall give written notice to the Shareholder of its intent to do so,
            and redemption shall take place within sixty (60) days of the date
            such notice is sent by the Company. The redemption price shall be
            the book value of Stock held by the Shareholder on the date of
            redemption, as determined under generally accepted accounting
            principles (based on the most recent audited financial statement of
            the Company), which shall be paid upon surrender of such
            Shareholder's stock certificate(s) to the Company.

            (b) Change in Control Defined. For purposes of this Agreement, the
            term "Change in Control" shall mean

                  (i) the members of Great Plains or New Horizon Holdings
                  approved a definitive agreement for (w) the merger or other
                  business combination of Great Plains or New Horizon Holdings
                  with or into another entity pursuant to which Great Plains or
                  New Horizon Holdings will not survive, (x) the sale or other
                  disposition of all or substantially all of the assets of Great
                  Plains or New Horizon Holdings to an entity that is not
                  controlling, controlled by or under common control with the
                  members of Great Plains and New Horizon Holdings as set forth
                  in Exhibit "B" attached hereto, (y) the merger of another
                  entity into Great Plains or New Horizon Holdings if, as a
                  result of the merger, less than 80% of Great Plains or New
                  Horizon Holdings shall be owned in the aggregate immediately
                  after such merger by the members of Great Plains and New
                  Horizon Holdings as set forth in Exhibit "B" respectively,
                  outstanding immediately prior to the merger (for purposes of
                  this subsection

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                        (i) "control" means more than 50% direct or indirect
                        voting control), or (z) any combination of the
                        foregoing;

                        (ii) any person other than employees of the Company or
                        any affiliate thereof or any entity controlled by such
                        employees is or becomes a member of Great Plains or of
                        New Horizon Holdings holding or controlling 40% or more
                        of the combined voting power of members of either Great
                        Plains or New Horizon Holdings;

                        (iii) during any period of 24 consecutive months,
                        individuals who at the beginning of such period
                        constitute the management of either Great Plains or New
                        Horizon Holdings cease for any reason to constitute at
                        least a majority thereof unless the election, or the
                        nomination for election of each new manager was approved
                        by a vote of at least two-thirds of the members of
                        either Great Plains or New Horizon Holdings;

                        (iv) in the event that employees of the Company, NelNet,
                        Inc. or an affiliate thereof cease to either own or have
                        voting control of at least one-half of the membership
                        interest in Great Plains or New Horizon Holdings.

      1.6 Bring-Along Provision. If one or more of the Class A Shareholders
      receive an offer to purchase a controlling block of the Stock of the
      Company owned by the Class A Shareholders, and such Class A Shareholders
      wish to accept such offer, the Class A Shareholders shall promptly notify
      the other Shareholders of the Company of the details of such offer. The
      other Shareholders shall have three (3) days in which to give notice to
      the Class A Shareholders that they wish to sell their Stock under the same
      terms as described in the notice of offer. If the other Shareholders do
      give such notice, the Class A Shareholders shall use best efforts in good
      faith to negotiate the sale of the other Shareholders' Stock upon such
      same terms. For purposes of this Section 1.6, a "controlling block" of the
      Class A Common Stock shall mean that number of shares of the Class A
      Common Stock that would give the purchaser a majority of the voting power
      of the Class A Common Stock.

II.   STOCK CERTIFICATES

      2.1 Agreement Legend. Each Shareholder shall promptly deliver to the
      Company any certificates representing Stock for placement thereon of a
      legend substantially in the following form:

            This certificate represents shares, the sale, disposition or other
            transfer of which is subject to restrictions pursuant to the
            Shareholders Agreement for UNIPAC Service Corporation (the
            "Company") dated as of March 1, 2000, by and among the Shareholders
            of the Company. A copy of such agreement is on file at the

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            Company's principal offices and, upon written request to the
            Company, a copy thereof will be mailed or otherwise provided to
            appropriately interested persons without charge within five (5) days
            after the Company's receipt of such a request.

      2.2 Securities Act Legend. The Stock has not been registered under the
      1933 Act, and may not be Transferred except in compliance therewith. Each
      Shareholder acknowledges and agrees that in addition to the other
      restrictions on Transfer imposed hereunder, the shares of Stock may not be
      transferred except after compliance with the provisions of a legend in
      substantially the following form, which shall be placed on each
      certificate representing Stock:

            The securities represented hereby have not been registered under the
            Securities Act of 1933, as amended (the "Act") and may not be sold,
            transferred or otherwise disposed of unless a registration statement
            under the Act with respect to such securities has become effective
            or unless the holder hereof establishes to the satisfaction of the
            issuer hereof that an exemption from such registration is available.

      2.3 Placement of Restrictive Legends. All certificates representing Stock
      hereafter issued to any Shareholder during the term of this Agreement
      shall bear the legends sections 2.1 and 2.2.

III.  MISCELLANEOUS

      3.1 Remedies. The parties to this Agreement acknowledge and agree that
      breach of any of the covenants of the Shareholders set forth in this
      Agreement is not fully compensable by payment of money damages and,
      therefore, the covenants of the Shareholders set forth in this Agreement
      may be enforced in equity by a decree requiring specific performance.
      Without limiting the foregoing, if any dispute arises concerning the sale
      or other disposition of any of the shares of Stock subject to this
      Agreement, the parties to this Agreement agree that an injunction may be
      issued restraining the sale or other disposition of such shares of Stock
      or rescinding any such sale or other disposition, ending resolution of
      such controversy. Such remedies shall be cumulative and non-exclusive and
      shall be in addition to any other rights and remedies the parties may have
      under this Agreement.

      3.2 Governing Law. This Agreement shall be governed by and construed in
      accordance with the laws of the state of Nebraska without giving effect to
      the principles of conflicts of law thereof.

      3.3 Notices. Unless otherwise expressly provided herein, all notices,
      requests, demands or other instruments which may or are required to be
      given by any party to the others shall be in writing, and each shall be
      deemed to have been properly given when served personally on

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<PAGE>
      any party who is an individual or on an officer of any party which is an
      entity to whom such notice is to be given, or upon expiration of a period
      of 48 hours from and after the postmark thereof when mailed postage
      prepaid by registered or certified mail, requesting return receipt,
      addressed as follows:

             If to the Company:

                      UNIPAC Service Corporation
                      3015 South Parker Road, Suite 400
                      Aurora, CO 80014
                      Attention: K. Jon Kern
                      Phone: (303) 696-9600
                      Fax: (303) 696-5640

             If to the Class A Shareholders:

                      Farmers & Merchants Investment Inc. and
                      Michael S. Dunlap
                      6801 S. 27th Street
                      Lincoln, NE 68512
                      Phone: (402) 483-8131
                      Fax: (402) 483-8286

                      Stephen F. Butterfield
                      6991 East Camelback Road, Suite B290
                      Scottsdale AZ  85251
                      Phone: (480) 947-7703
                      Fax: (480) 947-5452

             If to Great Plains:

                      Great Plains Financial, LLC
                      7070 Lincolnshire Road
                      Lincoln, NE 68506
                      Attention:       Don Bouc
                      Phone: (402) 458-2300

             Fax:     (402) 458-2399

             If to New Horizon Holdings:

                      New Horizon Holdings
                      3015 S Parker Road Ste 400

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                      Aurora CO  80014
                      Attention: K. Jon Kern
                      Phone: (303) 696-3699
                      Fax: (303) 696-5640

             If to other Shareholders:

                      Addressed to the parties indicated in Attachment A hereto.

      Any party may change the address and name of the addressee to which
      subsequent notices are to be sent to it, by notice to the others given as
      aforesaid, but any such notice of change, if sent by mail, shall not be
      effective until the 5th day after it is mailed.

      3.4 Severability. Any term or provision of this Agreement that is invalid
      or unenforceable in any jurisdiction shall, as to such jurisdiction, be
      ineffective to the extent of such invalidity or unenforceability without
      rendering invalid or unenforceable the remaining terms and provisions of
      this Agreement or affecting the validity or enforceability of any of the
      terms or provisions of this Agreement in any other jurisdiction.

      3.5 Amendment; Termination. This Agreement may not be modified or amended
      except by an instrument in writing signed by the Shareholders subject to
      this Agreement. This Agreement shall terminate and all rights and
      obligations hereunder shall cease if (i) the Company is adjudicated as a
      bankrupt, executes an assignment for the benefit of creditors, or a
      receiver is appointed for the Company, or (ii) the Company is voluntarily
      or involuntarily dissolved.

      3.6 Binding Effect. This Agreement shall be binding upon and enure solely
      to the benefit of each party hereto and their respective heirs, legal
      representatives, successors and permitted assigns.

      3.7 Counterparts. This Agreement may be executed by the parties hereto in
      counterparts, each of which shall be deemed to be an original instrument,
      but all of which together shall constitute one and the same instrument.

      3.8 Recapitalizations, Exchanges, Etc. The provisions of this Agreement
      shall apply, to the full extent set forth herein with respect to shares of
      Stock, to any and all shares of Stock of the Company or any successor or
      assign of the Company (whether by merger, consolidation, sale of assets,
      or otherwise) that may be issued in respect of, in exchange for, or in
      substitution of the shares of Stock, by reason of a stock dividend, stock
      split, stock issuance, reverse stock split, combination, recapitalization,
      reclassification, merger, consolidation or otherwise. Upon the occurrence
      of any such events, amounts hereunder shall be appropriately adjusted.

                                       8
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      3.9 Assignment. This Agreement is personal to the parties and may not be
      assigned without unanimous written consent of all parties hereto.

      3.10 Entire Agreement. This Agreement constitutes the entire agreement
      among the parties hereto relating to the subject matter hereof and
      supercedes all prior agreements, understandings and arrangements, oral or
      written, among the parties hereto with respect to the subject matter
      hereof. The section headings in this Agreement are for reference purposes
      only and shall not affect in any way the meaning or interpretation of this
      Agreement.

                                       9
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      IN WITNESS WHEREOF, the parties hereto have executed this Stockholders
Agreement for UNIPAC Service Corporation as of the date first written above.

                                               UNIPAC SERVICE CORPORATION

                                      By:      /s/ Michael S. Dunlap
                                               ________________________________
                                      Title:   Chairman
                                               ________________________________

                                               FARMERS & MERCHANTS INVESTMENT
                                               INC.

                                      By:      /s/ Michael S. Dunlap
                                               ________________________________
                                      Title:   President
                                               ________________________________

                                               PACKERS SERVICE GROUP, INC.

                                      By:      /s/ Jay Dunlap
                                               ________________________________
                                      Title:   ________________________________

                                              GREAT PLAINS FINANCIAL, LLC

                                      By:      ________________________________
                                      Title:   ________________________________

                                               NEW HORIZON HOLDINGS, LLC

                                      By:      /s/ K. Jon Kern
                                               ________________________________
                                      Title:   Manager
                                               ________________________________

<PAGE>
                                          By:   /s/Michael S. Dunlap
                                                --------------------------------
                                                Michael S. Dunlap

                                          By:   /s/Stephen F. Butterfield
                                                --------------------------------
                                                Stephen F. Butterfield

                                          By:   /s/Angie Mulheisen
                                                --------------------------------
                                                Angie Mulheisen

                                          By:   /s/Dan Mulheisen
                                                --------------------------------
                                                Dan Mulheisen

                                          By:   /s/Ross Wilcox
                                                --------------------------------
                                                Ross Wilcox

                                          By:   /s/Jeffrey Schumacher
                                                --------------------------------

                                                /s/Laura Schumacher
                                                --------------------------------
                                                Jeffrey and Laura Schumacher

                                          By:   /s/Ed Perry
                                                --------------------------------
                                                Ed Perry

                                          By:   /s/Joan Perry
                                                --------------------------------
                                                Joan Perry

                                          By:   /s/Jay Dunlap
                                                --------------------------------
                                                Jay Dunlap
<PAGE>
                                          By:   /s/Mary C.  Mills
                                                --------------------------------
                                                Mary C. Mills

                                          By:   /s/Judy Phipps
                                                --------------------------------
                                                Judy Phipps

                                          By:   /s/James Perry
                                                --------------------------------
                                                James Perry

                                          By:   /s/Gregory Perry
                                                --------------------------------
                                                Gregory Perry

                                          By:   /s/Jack Y. Perry
                                                --------------------------------
                                                Jack Young Perry

                                          By:   /s/Priscilla Perry Heffelfinger
                                                --------------------------------
                                                Priscilla Perry Heffelfinger

                                          By:   /s/Dan Mulheisen
                                                --------------------------------

                                                /s/Angie Mulheisen
                                                --------------------------------
                                                Dan and Angie Mulheisen

                                          By:   /s/Steve Bartels
                                                --------------------------------
                                                /s/ Deborah Bartels
                                                --------------------------------
                                                Steve and Deborah Bartels

                                          By:   /s/Diane Kremer
                                                --------------------------------
                                                Diane Kremer

                                          By:   /s/Judith Eicher
                                                --------------------------------
                                                Judith Eicher

                                      -2-
<PAGE>
                                          By:   /s/Deborah Bartels
                                                --------------------------------
                                                Deborah Bartels

                                          By:   /s/Jeffrey Noordhoek
                                                --------------------------------
                                                Jeffrey Noordhoek

                                          By:   /s/Kenneth Backemeyer
                                                --------------------------------
                                                Kenneth Backemeyer

                                          By:   /s/Darrin Jameson
                                                --------------------------------
                                                Darrin Jameson

                                          By:   /s/Scott Butterfield
                                                --------------------------------
                                                Scott Butterfield

                                          By:   /s/Charles Norris
                                                --------------------------------
                                                Charles Norris

                                          By:   /s/Charles Sweet
                                                --------------------------------
                                                Charles Sweet

                                          By:   /s/Hilario Arguinchona
                                                --------------------------------
                                                Hilario Arguinchona

                                          By:   /s/Dave Bottegal
                                                --------------------------------
                                                Dave Bottegal

                                          By:   /s/Mike Pohl
                                                --------------------------------
                                                Mike Pohl

                                      -3-
<PAGE>
                                          By:   /s/Ray Ciarvella
                                                --------------------------------
                                                Ray Ciarvella

                                          By:   /s/K. Jon Kern
                                                --------------------------------
                                                K. Jon Kern

                                          By:   /s/Dennis Leach
                                                --------------------------------
                                                Dennis Leach

                                          By:   /s/Mark Voegele
                                                --------------------------------
                                                Mark Voegele

                                          By:   /s/Michael Randash
                                                --------------------------------
                                                Michael Randash

                                          By:   /s/Mark Boyd
                                                --------------------------------
                                                Mark Boyd

                                          By:   /s/Mathew Hall
                                                --------------------------------
                                                Mathew Hall

                                          By:   /s/Cheryl Watson
                                                --------------------------------
                                                Cheryl Watson

                                          By:   /s/Richard Pierce
                                                --------------------------------
                                                Richard Pierce

                                          By:   /s/Tim Sabo
                                                --------------------------------
                                                Tim Sabo

                                      -4-
<PAGE>
                                          By:   /s/Nichole Arguinchona
                                                --------------------------------
                                                Nichole Arguinchona

                                          By:   /s/Kenneth Cobbs
                                                --------------------------------
                                                Kenneth Cobbs

                                          By:   /s/Janet Elam
                                                --------------------------------
                                                Janet Elam

                                          By:   /s/Robert Gabica
                                                --------------------------------
                                                Robert Gabica

                                          By:   /s/Mary Hall
                                                --------------------------------
                                                Mary Hall

                                          By:   /s/John Harding
                                                --------------------------------
                                                John Harding

                                          By:   /s/Jeffrey Johnson
                                                --------------------------------
                                                Jeffrey Johnson

                                          By:   /s/Laura King
                                                --------------------------------
                                                Laura King

                                          By:   /s/Charlene Lang
                                                --------------------------------
                                                Charlene Lang

                                          By:   /s/Margaret Laytham
                                                --------------------------------
                                                Margaret Laytham

                                      -5-
<PAGE>
                                          By:   /s/Michael Marchant
                                                --------------------------------
                                                Michael Marchant

                                          By:   /s/Holly Martin
                                                --------------------------------
                                                Holly Martin

                                          By:   /s/Frank McCrink
                                                --------------------------------
                                                Frank McCrink

                                          By:   /s/Marcella Towner
                                                --------------------------------
                                                Marcella Towner

                                          By:   /s/Craig Reynick
                                                --------------------------------
                                                Craig Reynick

                                          By:   /s/John Zamora
                                                --------------------------------
                                                John Zamora

                                          By:   /s/Thomas Zimmerman
                                                --------------------------------
                                                Thomas Zimmerman

                                          By:   /s/Natalie Artibee
                                                --------------------------------
                                                Natalie Artibee

                                          By:   /s/K. Craig Church, Jr.
                                                --------------------------------
                                                K. Craig Chruch, Jr.

                                          By:   /s/Donna DeWispelaere
                                                --------------------------------
                                                Donna DeWispelaere

                                      -6-
<PAGE>
                                          By:   /s/Robin Jenkins
                                                --------------------------------
                                                Robin Jenkins

                                          By:   /s/Henry R. Mertens
                                                --------------------------------
                                                Henry R. Mertens

                                          By:   /s/William Munn
                                                --------------------------------
                                                William Munn

                                          By:   /s/Elise Nowilowski
                                                --------------------------------
                                                Elise Nowilowski

                                          By:   /s/Shelia Odom
                                                --------------------------------
                                                Sheila Odom

                                          By:   /s/Lori Pederson
                                                --------------------------------
                                                Lori Pederson

                                          By:   /s/Dominic L. Rotondi
                                                --------------------------------
                                                Dominic L. Rotondi

                                          By:   /s/Gary Schleuger
                                                --------------------------------
                                                Gary Schleuger

                                          By:   /s/Paul Shockley
                                                --------------------------------
                                                Paul Shockley

                                          By:   /s/Hannah Smitterberg
                                                --------------------------------
                                                Hannah Smitterberg

                                      -7-
<PAGE>
                                          By:   /s/Jolynn M. Snyder
                                                --------------------------------
                                                Jolynn M. Snyder

                                          By:   /s/Bradley Walcher
                                                --------------------------------
                                                Bradley Walcher

                                          By:   /s/Dean Wildman
                                                --------------------------------
                                                Dean Wildman

                                          By:   /s/Linde Hoff
                                                --------------------------------
                                                Linde Hoff

                                      -8-<PAGE>
                                                                    Exhibit 10.2

                 AGREEMENT TO TERMINATE STOCKHOLDERS AGREEMENT

     This Agreement to Terminate Stockholders Agreement is made and entered
into as of the 4th day of August, 2003, by and among Nelnet Loan Services,
Inc., f/k/a UNIPAC Service Corporation (the "Company"), and stockholders of the
Company (and, if applicable, their respective spouses) who have executed that
certain Stockholders Agreement for UNIPAC Service Corporation dated as of March
2, 2000 (the "Stockholders Aggregate").

     WHEREAS, the parties hereto entered into the Stockholders Agreement, and
now wish to terminate the Stockholders Agreement in full in the manner
specified herein.

     NOW, THEREFORE, in consideration of the foregoing premises and the mutual
covenants herein contained, the parties hereto agree as follows:

     1.   Termination of Stockholders Agreement. The Stockholders Agreement
shall be terminated, voided and cancelled, effective upon the closing of the
Company's initial public offering of shares of common stock of the Company.
Such termination shall be effected without further action by the parties to the
Stockholders Agreement. This Agreement to Terminate Stockholders Agreement is
conditioned upon the closing of said initial public offering, and thus shall
not terminate the Stockholders Agreement until and unless such closing occurs.

     2.   Counterparts. This Agreement to Terminate Stockholders Agreement may
be executed by the parties in counterparts, each of which shall be deemed to be
an original instrument, but all of which together shall constitute one and the
same instrument.

                                     Nelnet Loan Services, Inc., f/k/a UNIPAC
                                     Service Corporation

                              By:    Michael S. Dunlap
                                     _____________________________

                              Title: President
                                     _____________________________

<PAGE>
                                           By:   /s/Michael S. Dunlap
                                                 -------------------------------
                                                 Michael S. Dunlap

                                           By:   /s/Terri Dunlap
                                                 -------------------------------
                                                 Terri Dunlap

                                           By:   /s/Stephen F. Butterfield
                                                 -------------------------------
                                                 Stephen F. Butterfield

                                           By:   /s/Angie Mulheisen
                                                 -------------------------------
                                                 Angie Mulheisen

                                           By:   /s/Dan Mulheisen
                                                 -------------------------------
                                                 Dan Mulheisen

                                           By:   /s/Ross Wilcox
                                                 -------------------------------
                                                 Ross Wilcox

                                           Packers Service Group, Inc.

                                           By:   /s/William Eastwood
                                                 -------------------------------
                                                 William Eastwood

                                           UBATCO Profit Sharing Plan

                                           By:   /s/Milton G. Willmend
                                                 -------------------------------
                                                 Milton G. Willmend

                                           Ross and Judy Wilcox Charitable
                                                 Lead Trust
<PAGE>
                                           By:   Union Bank and Trust Company,
                                                 as Trustee

                                           By:   /s/R. David Wilcox
                                                 -------------------------------
                                                 R. David Wilcox
                                                 Senior Vice President and Trust
                                                 Officer

                                           By:   /s/Jeffrey Schumacher and
                                                 -------------------------------
                                                 Lauara Schumacher
                                                 -------------------------------
                                                 Jeffrey and Laura Schumacher

                                           By:   /s/Ed Perry
                                                 -------------------------------
                                                 Ed Perry

                                           By:   /s/Joan Perry
                                                 -------------------------------
                                                 Joan Perry

                                           By:   /s/Jay Dunlap
                                                 -------------------------------
                                                 Jay Dunlap

                                           Phyllis Dunlap, Estate of

                                           By:   /s/Gerry A. Dunlap
                                                 -------------------------------
                                                 Gerry A. Dunlap
                                                 Personal Representative

                                           By:   /s/Mary C.  Mills
                                                 -------------------------------
                                                 Mary C. Mills

                                           By:   /s/Steven Mills
                                                 -------------------------------
                                                 Steven Mills

                                      -2-
<PAGE>
                                           By:   /s/Mary C. Mills
                                                 -------------------------------
                                                 Mary C. Mills as custodian for
                                                 Katherine Mills

                                           By:   /s/Mary C. Mills
                                                 -------------------------------
                                                 Mary C. Mills as custodian for
                                                 Andrew Mills

                                           By:   /s/Judy Phipps
                                                 -------------------------------
                                                 Judy Phipps

                                           By:   /s/Rand Phipps
                                                 -------------------------------
                                                 Rand Phipps

                                           By:   /s/Laura Phipps
                                                 -------------------------------
                                                 Laura Phipps

                                           By:   /s/Judy Phipps
                                                 -------------------------------
                                                 Judy Phipps as custodian for
                                                 Perry Phipps

                                           By:   /s/Judy Phipps
                                                 -------------------------------
                                                 Judy Phipps as custodian for
                                                 Emily Phipps

                                           By:   /s/James Perry
                                                 -------------------------------
                                                 James Perry

                                           By:   /s/Gail Perry
                                                 -------------------------------
                                                 Gail Perry

                                       -3-
<PAGE>
                                           By:   /s/James Perry
                                                 -------------------------------
                                                 James Perry as custodian for
                                                 Hanson Perry

                                           By:   /s/Phoebe Perry
                                                 -------------------------------
                                                 Phoebe Perry

                                           By:   /s/James Perry
                                                 -------------------------------
                                                 James Perry as custodian for
                                                 Bianca Perry

                                           By:   /s/Gregory Perry
                                                 -------------------------------
                                                 Gregory Perry

                                           By:   /s/Genelle Perry
                                                 -------------------------------
                                                 Genelle Perry

                                           By:   /s/Gregory Perry
                                                 -------------------------------
                                                 Gregory Perry
                                                 as custodian for Brittany Perry

                                           By:   /s/Gregory Perry
                                                 -------------------------------
                                                 Gregory Perry
                                                 as custodian for Bailey Perry

                                           By:   /s/Gregory Perry
                                                 -------------------------------
                                                 Gregory Perry
                                                 as custodian for Griffin Perry

                                           By:   /s/Gregory Perry
                                                 -------------------------------
                                                 Gregory Perry
                                                 as custodian for Mason Perry

                                      -4-
<PAGE>
                                           By:   /s/Jack Y. Perry
                                                 -------------------------------
                                                 Jack Young Perry

                                           By:   /s/Margaret Perry
                                                 -------------------------------
                                                 Margaret Perry

                                           By:   /s/Jack Young Perry
                                                 -------------------------------
                                                 Jack Young Perry
                                                 as custodian for Carly Young
                                                 Perry

                                           By:   /s/Jack Young Perry
                                                 -------------------------------
                                                 Jack Young Perry
                                                 as custodian for Mitchell Young
                                                 Perry

                                           By:   /s/Jack Young Perry
                                                 -------------------------------
                                                 Jack Young Perry
                                                 as custodian for Edwin James
                                                 Perry

                                           By:   /s/Priscilla Perry Heffelfinger
                                                 -------------------------------
                                                 Priscilla Perry Heffelfinger

                                           By:   /s/James Heffelfinger
                                                 -------------------------------
                                                 James Heffelfinger

                                           By:   /s/Priscilla Perry Heffelfinger
                                                 -------------------------------
                                                 Priscilla Perry Heffelfinger as
                                                 custodian for Cedar
                                                 Heffelfinger

                                           By:   /s/Priscilla Perry Heffelfinger
                                                 -------------------------------
                                                 Priscilla Perry Heffelfinger as
                                                 custodian for Linden
                                                 Heffelfinger

                                      -5-
<PAGE>
                                           By:   /s/Tom Ostergard
                                                 -------------------------------
                                                 Tonn Ostergard

                                           By:   /s/Phyllis Acklie
                                                 -------------------------------
                                                 Phyllis Acklie

                                           By:   /s/Dan Muhleisen
                                                 -------------------------------

                                                 Angie Muhleisen
                                                 -------------------------------
                                                 Dan and Angie Muhleisen

                                           By:   /s/Steve Bartels
                                                 -------------------------------

                                                 /s/Deborah Bartels
                                                 -------------------------------
                                                 Steve and Deborah Bartels

                                           By:   /s/Steve Bartels
                                                 -------------------------------
                                                 Steve Bartels

                                           By:   /s/Diane Kremer
                                                 -------------------------------
                                                 Diane Kremer

                                           By:   /s/Judith Eicher
                                                 -------------------------------
                                                 Judith Eicher

                                           By:   /s/Neal Tyner
                                                 -------------------------------
                                                 Neal Tyner

                                           Great Plains Financial LLC

                                           By:   /s/Don Bouc
                                                 -------------------------------
                                                 Don Bouc
                                                 Sole Member

                                      -6-
<PAGE>
                                           By:   /s/Don Bouc
                                                 -------------------------------
                                                 Don Bouc

                                           By:   /s/Mark Schilmoeller
                                                 -------------------------------
                                                 Mark Schilmoeller

                                           By:   /s/Tim Bornemeier
                                                 -------------------------------
                                                 Tim Bornemeier

                                           By:   /s/Rebecca Pollock
                                                 -------------------------------
                                                 Rebecca Pollock

                                           By:   /s/Terry J. Heimes
                                                 -------------------------------
                                                 Terry J. Heimes

                                           By:   /s/Anne Frey
                                                 -------------------------------
                                                 Ann Frey

                                           By:   /s/James Kruger
                                                 -------------------------------
                                                 James Kruger

                                           By:   /s/Scott Spethman
                                                 -------------------------------
                                                 Scott Spethman

                                           By:   /s/Deborah Bartels
                                                 -------------------------------
                                                 Deborah Bartels

                                           By:   /s/Shirley Dunlap
                                                 -------------------------------
                                                 Shirley Dunlap

                                      -7-
<PAGE>
                                           By:   /s/Jeffrey Noordhoek
                                                 -------------------------------
                                                 Jeffrey Noordhoek

                                           By:   /s/Daniel Kaplan
                                                 -------------------------------
                                                 Daniel Kaplan

                                           By:   /s/Thomas Duncan
                                                 -------------------------------
                                                 Thomas Duncan

                                           By:   /s/Marphy Butterfield
                                                 -------------------------------
                                                 Marphy Butterfield

                                           By:   /s/Kenneth Backemeyer
                                                 -------------------------------
                                                 Kenneth Backemeyer

                                           By:   /s/Darrin Jameson
                                                 -------------------------------
                                                 Darrin Jameson

                                           By:   /s/Todd Eicher
                                                 -------------------------------
                                                 Todd Eicher

                                           By:   /s/Joe Bird
                                                 -------------------------------
                                                 Joe Bird

                                           By:   /s/Edward Martinez
                                                 -------------------------------
                                                 Edward Martinez

                                           By:   /s/Janeen Ortega
                                                 -------------------------------
                                                 Janeen Ortega

                                      -8-
<PAGE>
                                           By:   /s/Kent Spuehler
                                                 -------------------------------
                                                 Kent Spuehler

                                           By:   /s/Paul Tone
                                                 -------------------------------
                                                 Paul Tone

                                           By:   /s/Scott Butterfield
                                                 -------------------------------
                                                 Scott Butterfield

                                           By:   /s/Charles Norris
                                                 -------------------------------
                                                 Charles Norris

                                           By:   /s/James Greenwood
                                                 -------------------------------
                                                 James Greenwood

                                           By:   /s/Charles Sweet
                                                 -------------------------------
                                                 Charles Sweet

                                           By:   /s/James H. VanHorn
                                                 -------------------------------
                                                 James H. VanHorn

                                           The Judy Eicher and Todd Eicher
                                                 Partnership

                                           By:   /s/Todd Eicher
                                                 -------------------------------
                                                 Todd Eicher
                                                 Partner

                                           By:   /s/Jeffrey Jobes
                                                 -------------------------------
                                                 Jeffrey Jobes

                                      -9-
<PAGE>
                                           By:   /s/Hilario Arguinchona
                                                 -------------------------------
                                                 Hilario Arguinchona

                                           By:   /s/Dave Bottegal
                                                 -------------------------------
                                                 Dave Bottegal

                                           By:   /s/Mike Pohl
                                                 -------------------------------
                                                 Mike Pohl

                                           By:   /s/Ray Ciarvella
                                                 -------------------------------
                                                 Ray Ciarvella

                                           By:   /s/K. Jon Kern
                                                 -------------------------------
                                                 K. Jon Kern

                                           By:   /s/Fred Henry
                                                 -------------------------------
                                                 Fred Henry

                                           By:   /s/Suzzane Collier
                                                 -------------------------------
                                                 Suzanne Collier

                                           By:   /s/Dennis Leach
                                                 -------------------------------
                                                 Dennis Leach

                                           By:   /s/Mark Voegele
                                                 -------------------------------
                                                 Mark Voegele

                                           By:   /s/Michael Randash
                                                 -------------------------------
                                                 Michael Randash

                                      -10-
<PAGE>
                                           By:   /s/Mark Boyd
                                                 -------------------------------
                                                 Mark Boyd

                                           By:   /s/Mathew Hall
                                                 -------------------------------
                                                 Mathew Hall

                                           By:   /s/Cheryl Watson
                                                 -------------------------------
                                                 Cheryl Watson

                                           By:   /s/Richard Pierce
                                                 -------------------------------
                                                 Richard Pierce

                                           By:   /s/Tim Sabo
                                                 -------------------------------
                                                 Tim Sabo

                                           By:   /s/Nichole Arguinchona
                                                 -------------------------------
                                                 Nichole Arguinchona

                                           By:   /s/Kenneth Cobbs
                                                 -------------------------------
                                                 Kenneth Cobbs

                                           By:   /s/Janet Elam
                                                 -------------------------------
                                                 Janet Elam

                                           By:   /s/Robert Gabica
                                                 -------------------------------
                                                 Robert Gabica

                                           By:   /s/Mary Hall
                                                 -------------------------------
                                                 Mary Hall

                                      -11-
<PAGE>
                                           By:   /s/John Harding
                                                 -------------------------------
                                                 John Harding

                                           By:   /s/Jeffrey Johnson
                                                 -------------------------------
                                                 Jeffrey Johnson

                                           By:   /s/Laura King
                                                 -------------------------------
                                                 Laura King

                                           By:   /s/Charlene Lang
                                                 -------------------------------
                                                 Charlene Lang

                                           By:   /s/Margaret Laytham
                                                 -------------------------------
                                                 Margaret Laytham

                                           By:   /s/Michael Marchant
                                                 -------------------------------
                                                 Michael Marchant

                                           By:   /s/Holly Martin
                                                 -------------------------------
                                                 Holly Martin

                                           By:   /s/Frank McCrink
                                                 -------------------------------
                                                 Frank McCrink

                                           By:   /s/Marcella Towner
                                                 -------------------------------
                                                 Marcella Towner

                                           By:   /s/Craig Reynick
                                                 -------------------------------
                                                 Craig Reynick

                                      -12-
<PAGE>
                                           By:   /s/John Zamora
                                                 -------------------------------
                                                 John Zamora

                                           By:   /s/Thomas Zimmerman
                                                 -------------------------------
                                                 Thomas Zimmerman

                                           By:   /s/Natalie Artibee
                                                 -------------------------------
                                                 Natalie Artibee

                                           By:   /s/K. Craig Church, Jr.
                                                 -------------------------------
                                                 K. Craig Church, Jr.

                                           By:   /s/Donna DeWispelaere
                                                 -------------------------------
                                                 Donna DeWispelaere

                                           By:   /s/Robin Jenkins
                                                 -------------------------------
                                                 Robin Jenkins

                                           By:   /s/Aline Laikola
                                                 -------------------------------
                                                 Aline Laikola

                                           By:   /s/Henry R. Mertens
                                                 -------------------------------
                                                 Henry R. Mertens

                                           By:   /s/William Munn
                                                 -------------------------------
                                                 William Munn

                                           By:   /s/Elise Nowilowski
                                                 -------------------------------
                                                 Elise Nowilowski

                                      -13-
<PAGE>
                                           By:   /s/Sheila Odom
                                                 -------------------------------
                                                 Sheila Odom

                                           By:   /s/Lori Pederson
                                                 -------------------------------
                                                 Lori Pederson

                                           By:   /s/Dominic L. Rotondi
                                                 -------------------------------
                                                 Dominic L. Rotondi

                                           By:   /s/Gary Schleuger
                                                 -------------------------------
                                                 Gary Schleuger

                                           By:   /s/Paul Shockley
                                                 -------------------------------
                                                 Paul Shockley

                                           By:   /s/Hannah Smitterberg
                                                 -------------------------------
                                                 Hannah Smitterberg

                                           By:   /s/Jolynn M. Snyder
                                                 -------------------------------
                                                 Jolynn M. Snyder

                                           By:   /s/Kenneth Troy
                                                 -------------------------------
                                                 Kenneth Troy

                                           By:   /s/Bradley Walcher
                                                 -------------------------------
                                                 Bradley Walcher

                                           By:   /s/Dean Wildman
                                                 -------------------------------
                                                 Dean Wildman

                                      -14-
<PAGE>
                                           By:   /s/Linde Hoff
                                                 -------------------------------
                                                 Linde Hoff

                                           By:   /s/Elizabeth Jane Frueh
                                                 -------------------------------
                                                 Elizabeth Jane Frueh

                                           By:   /s/Mary Ann Trujillo
                                                 -------------------------------
                                                 Mary Ann Trujillo

                                           New Horizon Holdings, LLC

                                           By:   /s/K. Jon Kern
                                                 -------------------------------
                                                 K. Jon Kern
                                                 Member

                                           By:   /s/Carol Jordan
                                                 -------------------------------
                                                 Carol Jordan

                                           By:   /s/John Jordan
                                                 -------------------------------
                                                 John Jordan

                                      -15-

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