Students with debts to the Student Financing Fund (FIES) can renegotiate their contracts starting Wednesday (13) with discounts of up to 99% on the total debt amount. The measure was regulated by CG-FIES Resolution No. 66, of May 11, 2026, based on Provisional Measure No. 1,355, of May 4, 2026. ✓
Press quotes (1)
"O PRESIDENTE DO COMITÊ GESTOR DO FUNDO DE FINANCIAMENTO ESTUDANTIL, no uso das atribuições que lhe confere o Decreto de 19 de setembro de 2017, e tendo em vista o disposto na Lei nº 10.260, de 12 de julho de 2001, com redação dada pela Medida Provisória nº 1.355, de 4 de maio de 2026"
The program affects more than 1 million students, according to the Ministry of Education's expectations, and is part of the New Desenrola Brasil launched by the federal government on May 4. Students with contracts signed until 2017 who were in the amortization phase on May 4, 2026 can participate. Negotiations must be completed by December 31, 2026 through Caixa Econômica Federal or Banco do Brasil channels. ✓
Press quotes (1)
"A expectativa do Ministério da Educação é que mais de 1 milhão de estudantes renegociem suas dívidas"
The maximum 99% discount is available for students registered in the Single Registry for Social Programs (CadÚnico) with debts overdue for more than 360 days. For non-CadÚnico registrants with delays over 360 days, the discount is up to 77%. Students with current contracts or delays of up to 90 days can get a 12% discount for cash payment. ✓
Press quotes (1)
"para dívidas com atraso superior a 360 dias, estudantes que não estão inscritos no CadÚnico poderão conseguir desconto de até 77% do valor total da dívida, os que estão inscritos no CadÚnico poderão ter desconto de até 99%"
FIES debts reached R$ 90 billion at the end of 2025, according to data from the 2027 Budget Guidelines Bill. Of this total, R$ 61 billion is related to debts overdue for more than a year. The current program offers more generous conditions than the 2022 renegotiation, when MP 1.090/2021 allowed discounts of up to 92% for CadÚnico beneficiaries and up to 86.5% for other debtors. ✓
Press quotes (2)
"as dívidas do Fies alcançaram R$ 90 bilhões no fim do ano passado. Desse total, R$ 61 bilhões estão relacionados a débitos vencidos há mais de um ano"
"Uma medida provisória publicada em 30 de dezembro permite abatimento de até 86,5% nas dívidas de estudantes com o Fies (Fundo de Financiamento Estudantil). O desconto pode aumentar para 92% caso o devedor esteja inscrito no Cadastro Único"
Program allows renegotiation until December 31, 2026 for contracts signed until 2017
Negotiation must be done through Caixa Econômica Federal or Banco do Brasil channels
Covered by only some sources, or where the accounts diverge.
Covered by only some sources (1)
Program does not allow use of FGTS for debt reduction
-
What is the detailed fiscal impact of the program and source of budget coverage?
Why it's still unknown: Neither the resolution nor the reports detail the estimated revenue waived with discounts of up to 99% or how the impact on the public budget will be covered
-
What is the expected adhesion rate compared to previous renegotiation programs?
Why it's still unknown: Sources do not provide historical adhesion data for the 2017 and 2020 programs to contextualize the projection of 1 million beneficiaries
-
Are there anticipated legal challenges regarding the limits of regulatory power to grant 99% discounts?
Why it's still unknown: There is no mention of legal opinions or constitutionality analysis regarding the extent of discounts offered