On September 1st, Caixa Econômica Federal launched an application called FIES CAIXA. The Student Financing Fund (FIES) is a Ministry of Education program that helps young people who want to take higher education at non-free institutions to get funding.
Read more: FIES and its regulation; check out how to get 100% financing
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Who can be entitled to FIES?
Young students with a family income of up to one and a half minimum wages per month, partial PROUNI scholarship holders who choose to enroll in FIES at same scholarship course, in addition to those who are enrolled in degree courses and had a good performance in ENEM, can request the financing.
Many students have doubts about what happens in case of non-payment of the FIES, if in this case they can lose their diploma. The answer to that is no, because once you've fulfilled all obligations through college and pasted the degree, you are entitled to the diploma yes.
Now, non-payment of the debt will cause your name and CPF to be listed as a defaulter at SERASA. From then on, if you do not settle your debt, you will no longer be able to access other forms of financing, both bank and real estate and car financing.
In view of this, the FIES CAIXA application emerged so that users of the program who are in default can consult their debts, and through it renegotiate. Remembering that the deadline to regularize the situation continues until December 31 of this year, with the possibility of installments of debts and discounts from 12% to 99%, depending on the time of delay.
Students who have their installments up to date, but want to pay off the rest of the financing balance, will get a discount of up to 12%. It is worth remembering that, in addition to the application, agreements can also be made through the FIES website.
In addition to renegotiating the debt or checking the outstanding balance, the application also allows access to the data registered in the system, issue bank slips and carry out a renegotiation simulation, and from there choose the best option.
According to data from Caixa Econômica Federal, the expectation is that the application will be accessed by at least 1.85 million customers. Of these, 1.2 million will be able to refinance their debt via cell phone or tablet.
How to use the FIES Caixa application?
- The first step is to download the application, available for Android and iOS;
- The second is to verify whether the contract is suitable for renegotiation;
- Check the details of the contract;
- Simulate the available renegotiation types;
- Confirm the renegotiation data;
- Accept the term to adhere to the renegotiation;
- Complete with the issuance of the entry ticket.
Remembering that the renegotiation will only be effected upon payment of the first installment. In the application, it is possible to see the summary of the contract and, in the “Profile” tab, the student can consult the registered data.
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