The Desenrola FIES program has become one of the main alternatives for Brazilian students facing difficulties in paying off their student loans. Furthermore, the initiative offers special renegotiation conditions, significant discounts, and more accessible payment plans. In this way, thousands of people are able to settle their financial obligations and regain control of their budget.
In recent years, default rates on student loans have increased significantly. For this reason, the Federal Government has created mechanisms to facilitate the regularization of debts. At the same time, banks such as Caixa Econômica Federal and Banco do Brasil have begun to offer simpler and faster digital processes for renegotiation.
If you have overdue FIES installments, this complete guide will show you how the program works, what discounts can be applied, and how to renegotiate your debt step by step. In addition, you will understand what precautions to take before finalizing a financial agreement and how to avoid future default problems.
What is Desenrola FIES?
Desenrola FIES is a program created by the Federal Government with the goal of facilitating the renegotiation of delinquent contracts with the Student Financing Fund (FIES). In other words, the initiative seeks to help students who have been unable to keep up with their payments.
In addition, the program offers:
- Reduction of interest and fines;
- Easy installments;
- Possibility of significant discounts;
- Regularization of CPF (Brazilian taxpayer ID);
- Return to the credit market.
Consequently, students in debt are able to reorganize their financial lives in a more secure way.
Who Can Participate in the Program
Not all contracts automatically qualify for renegotiation. Therefore, it is important to check the updated criteria set by the government and participating banks.
In general, the following can participate:
- Students with overdue payments;
- Contracts managed by Caixa or Banco do Brasil;
- Old or active financing;
- People with outstanding debts exceeding the minimum required period.
Furthermore, students registered in the CadÚnico program may receive even more advantageous conditions.