How to Check Your FIES Debt
Before renegotiating, it's essential to review the complete contract details. This way, you can assess the updated values and identify the best available terms.
Step-by-Step Guide to Consulting
1. Access the bank's app or website.
First, go to the official website of CEF ou Bank of Brazil.
2. Log in to the platform.
Next, use your registered CPF (Brazilian tax identification number) and password.
3. Look for the Desenrola FIES area.
It is usually located in the options:
- Financing;
- Student loan;
- Renegotiation.
4. Check the debt details.
At this point, the system will display:
- Updated value;
- Overdue installments;
- Accrued interest;
- Possible discounts.
5. Simulate the renegotiation.
Finally, compare:
- Entry fee;
- Number of installments;
- Final total of the debt.
This makes it easier to choose an option that fits your budget.
Which Banks Participate in the Program
Currently, the main banks responsible for FIES contracts are participating in the renegotiations.
CEF
Caixa manages a large portion of the country's student loans. In addition, it offers:
- Online simulation;
- Digital customer service;
- Various payment plans available;
- In-person negotiation.
Bank of Brazil
Banco do Brasil also offers simplified renegotiation. Similarly, the student can:
- View installments;
- Generate payment slips;
- Simulate discounts;
- Making digital agreements.
Discounts Available at Desenrola FIES
Discounts vary depending on the student's profile and the length of the delinquency. However, some benefits frequently appear in renegotiations.
Among the main discounts are:
- Interest rate reduction;
- Discount on fines;
- Special conditions for cash payments;
- Extended payment plans.
Furthermore, students in situations of social vulnerability may receive even greater discounts.
For this reason, it is worthwhile to regularly check the current campaigns of participating banks.
