According to data from the Ministry of Education, students who have contracts signed until 2017 with Creditor financial institutions for Student Financing (Fies) can now request refinancing of your debt. Therefore, banks will be obliged, by law, to grant discounts that can vary between 12% and 92%. So check out this article and find out How to get a FIES discount.
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How to negotiate FIES debts?
Those responsible for renegotiating the debts are the financial agents of Fies, the public banks Banco do Brasil and Caixa Econômica Federal. In addition, the negotiation can be done in full through the service channels made available by the institutions, that is, the process is 100% digital. Fies renegotiation installments will have a minimum value of R$ 200.
However, in order to have their name removed from the records of credit protection bodies, beneficiaries must pay the entry fee at the time of renegotiation, corresponding to the first installment. Interested students can consult the Caixa website and check whether or not they can request renegotiation in accordance with the rules established by the institution. In addition, students with Fies debts at Banco do Brasil can check their situation through the institution's application.
Renegotiation will happen as follows
- Debt installments in up to 150 months;
- 100% reduction of interest and fines;
- Concession of 12% discount on the debt for those who choose to pay in full;
- 92% discount on debt for those who are over a year late in payments and are registered in the Single Registry or were beneficiaries of emergency aid;
- 86.5% discount on the total debt balance for other students;
- Minimum installment amount is R$ 200;
- Withdrawal of the name from the registrations of negative people after payment of the down payment.
Banco do Brasil and Caixa must make this negotiation available, remembering that it is only possible to renegotiate directly with the bank where the financing was made. In addition, Caixa made available a portal to be able to simulate the renegotiation, just access the site sifesweb.caixa.gov.br.
