Overview
- The federal Desenrola Fies window remains open until 16 September 2026 and applications must be made through the Banco do Brasil or Caixa digital channels or in bank agencies.
- Only Fies contracts signed through 2017 that were in the amortization phase on 4 May 2026 are eligible, while contracts from 1 January 2018 onward and those still in use or in grace are excluded.
- The program offers steep, tiered relief: CadÚnico borrowers with debts overdue more than 360 days can get up to 99% off, non‑CadÚnico borrowers can receive up to 77% for similar delays, and a one‑time full payment can cut principal by up to 12% for delays over 90 days.
- Debts overdue more than 90 days may be split into up to 150 installments with elimination of interest and fines, but each contract may be renegotiated only once and proposals are canceled if the required entry installment is not paid.
- Roughly 343,000 agreements have been reported so far versus early government projections of over one million beneficiaries, and completing a renegotiation with the initial payment also triggers removal from credit‑default registries where applicable, offering immediate credit relief for borrowers and guarantors.