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She is a borrower facing student debt as Desenrola Fies kicks off, offering strong discounts and a fully digital renegotiation. The article follows how this option lets a borrower clear their name and restore credit, with steps that are simple and clear. It explains who can qualify, how to access the process through bank apps, and what to do to seal the deal.
- Desenrola Fies 2026 renegotiation starts today with discounts up to 99%.
- It only covers older contracts signed up to 2017.
- The process is 100% digital; you don’t need to visit a bank.
- Check your deal in the Caixa Tem or Banco do Brasil app and agree to the terms.
- Pay with a boleto or debit; you can’t use FGTS money to lower the debt.
Desenrola Fies 2026 Renegotiation Opens With Deep Discounts on Old Loans
The government has launched the Desenrola Fies 2026 renegotiation phase, starting today, May 13. A Provisional Measure enables large price reductions on outstanding loans issued under the Fies program, potentially trimming the total debt by as much as 99%. The effort targets older contracts signed through 2017 that still had payments due in May 2026. The window for agreement runs through December and aims to help more than one million students regain financial standing.
How the Desenrola Fies 2026 Renegotiation Works
This stage of the program is distinct from other Desenrola 2.0 tracks. It places emphasis on older agreements with Caixa Econômica Federal or Banco do Brasil that continue to generate monthly payments. The renegotiation is conducted entirely online, with no need to visit a bank branch. It uses the debtor’s CPF and CadÚnico data to calculate the discount automatically.
Eligibility and Discount Levels
Discounts vary based on how long payments have been in arrears and the debtor’s social status. The highest reductions are reserved for the most vulnerable borrowers, though the overall potential discount can reach very high levels for those meeting the criteria. The focus is specifically on older contracts signed up to 2017 that still had activity in 2026.
How to Apply (Step-by-Step)
- Access the designated banking app: Caixa Tem (Caixa Tem or Caixa Trabalhador) or the Banco do Brasil app.
- Look for the Desenrola Fies option in the main menu; it will be highlighted starting today.
- Run a simulation to see the applicable discount, determined by CPF and CadÚnico data.
- Review and accept the digital terms to confirm participation.
- Complete the process by paying the entry installment or a lump-sum payment via boleto or debit.
Payment Rules and Limitations
Unlike other Desenrola 2.0 negotiations, this Fies track does not permit offsetting the debt with FGTS balances. Payment must be made through a boleto bancário or direct debit. Channel contacts for assistance include:
- Caixa: 4004 0104 (capitais) or 0800 104 0104
- Banco do Brasil: 4004 0001 or WhatsApp (61) 4004-0001
Conclusion
The Desenrola Fies 2026 renegotiation offers a clearly accessible path for borrowers with older contracts to dramatically reduce debt and restore credit, all through a fully digital process via the Caixa Tem or the Banco do Brasil app. Eligible participants can benefit from discounts up to 99%, with the deepest reductions reserved for the most vulnerable, and finalize the agreement online by paying the initial installment or a lump-sum payment using a boleto or debit. Importantly, this track does not permit using FGTS funds to offset the debt. The program runs through December and aims to help more than a million students regain financial standing. To participate, borrowers should access the Desenrola Fies option in their banking app, run a simulation, review and accept the terms, and complete payment.
Frequently asked questions
- When does Desenrola Fies open today and who can join? It starts today. It targets old Caixa or Banco do Brasil contracts signed up to 2017. It runs until December. Discounts go up to 99%, with bigger ones for the most vulnerable.
- Which debts qualify for Desenrola Fies 2026? Debts to Caixa or Banco do Brasil. Old contracts signed up to 2017. Debts active as of May 2026. Discounts depend on delay and social status.
- How do I apply for the Desenrola Fies discount? It’s 100% digital. Use Caixa Tem or Caixa Trabalhador or the Banco do Brasil app. Find Desenrola Fies. Simulate your discount. Accept terms. Pay the first installment or a lump sum.
- Can I use FGTS to pay Desenrola Fies debts? No. FGTS balance cannot be used to reduce these debts.
- How can I get help or more info? Caixa: 4004 0104 (capitals) or 0800 104 0104. Banco do Brasil: 4004 0001 or WhatsApp 61 4004-0001.