# Brazil FIES enrollment and debt renegotiation updates

> Live situation record from CLSTR: https://clstr.news/situations/brazil-desenrola-debt-renegotiation-program
> Updated: 2026-08-26T11:05:07.000Z. Sources: 286. Developments: 54.

The Ministry of Education (MEC) managed the second-semester 2026 FIES enrollment round, which offered 75,500 slots across 1,274 private institutions. The selection process drew 315,431 applications from 127,175 candidates, with women comprising 67.5% of applicants. Pre-selected students were required to complete registration and submit documentation by 23:59 on 4 August. The program maintains a focus on equity, reserving half of its places for the FIES Social sub-program and providing additional quotas for Black, Indigenous, quilombola, and disabled applicants. Candidates not selected in the main call are placed on a waiting list, with selections scheduled between 7 August and 24 September.

Regarding debt management, the Desenrola Fies 2026 program has set a renegotiation deadline of 16 September. This initiative targets students with contracts signed up to 2017 who were in the amortization phase as of 4 May 2026. The program is available to both compliant and delinquent borrowers, including those listed in credit protection agencies. Renegotiations must be conducted through Banco do Brasil or Caixa Econômica Federal. Once an agreement is formalized and a down payment is made, the names of students and their guarantors are removed from credit registries. Students with contracts signed on or after 1 January 2018, or those in the financing use or grace periods, are ineligible for this specific round.

## Claims

- The program is for students with Fies contracts signed up to 2017. (disputed by 3 sources)
- The second‑call results for Prouni 2026 were published on 5 August 2026. (corroborated by 12 sources)
- Pre‑selected candidates must submit required documentation between 5 August and 14 August 2026. (corroborated by 12 sources)
- Failure to submit documentation by 14 August results in loss of the scholarship. (corroborated by 12 sources)
- A total of 471 304 scholarships are offered in 380 courses at 879 private institutions. (corroborated by 12 sources)
- Of the scholarships, 219 725 are full‑tuition (integral) and 251 579 are partial (50 % discount). (corroborated by 12 sources)
- A wait‑list will be opened; candidates must express interest on 26 and 27 August, with results on 1 September. (corroborated by 12 sources)
- Institutions may accept documentation electronically or in person, at their discretion. (corroborated by 12 sources)
- The Ministry of Education stressed that each institution is responsible for informing students of the required procedures. (corroborated by 12 sources)
- The Encceja 2026 redaction guide is now available on the Inep portal. (corroborated by 4 sources)
- Encceja 2026 is scheduled for 23 August 2026, alongside the regular objective test. (corroborated by 4 sources)
- The guide outlines five competencies evaluated in the essay and describes a correction process with at least two independent evaluators, adding a third reviewer if scores differ significantly. (corroborated by 4 sources)

## Timeline

### 2026-08-26: Fies debt renegotiation deadline set for September 16

Students can renegotiate Fies debts through the Desenrola Fies 2026 program until September 16, offering various discounts. Meanwhile, ABMES has proposed Fies modernization to presidential candidates.

21 sources. https://clstr.news/cluster/fies-student-loan-renegotiation-deadline-set-for-september-16

### 2026-08-02: Brazil's FIES applicants must complete registration by Aug 4

FIES 2026 pre‑selected students must finish registration by 23:59 on 4 Aug; 75.5 k slots, half reserved for low‑income and affirmative‑action quotas; waiting‑list convocations run 7 Aug‑24 Sept.

47 sources. https://clstr.news/cluster/brazils-fies-program-sets-august-deadline-for-preselected-students

### 2026-07-28: Brazil's FIES student loan program opens 2026 enrollment, announces second‑semester results

Brazil's MEC announced the 30 July call for 75,500 FIES slots and a waiting‑list timeline, while the 2026 enrollment opens with new income, ENEM and loan‑terms rules.

3 sources. https://clstr.news/cluster/brazils-fies-student-loan-program-opens-2026-enrollment-announces-secondsemester-results

### 2026-07-18: Brazil Extends Deadline for 2026 FIES Student Loan Applications

Brazil's MEC extended the FIES 2026 registration deadline to 19 July, covering 75,500 loan slots for eligible ENEM candidates, with results due 30 July.

4 sources. https://clstr.news/cluster/brazil-extends-deadline-for-2026-fies-student-loan-applications

### 2026-07-16: Brazil extends Fies enrollment deadline to July 19

Brazil's Ministry of Education extended the Fies 2026 second‑semester enrollment deadline to July 19, with 44,867 spots available and half reserved for low‑income students.

43 sources. https://clstr.news/cluster/brazils-fies-student-loan-enrollment-closes-july-17-2026

### 2026-07-14: Brazilian cities roll out tax debt relief and utility fee adjustments

Brazilian municipalities launch tax debt relief, property transfer discounts, water tariff hikes and utility recadastramento to ease fiscal pressure.

6 sources. https://clstr.news/cluster/brazilian-towns-launch-water-service-reforms-and-tariff-hike

### 2026-07-13: Brazil opens FIES second‑semester 2026 applications until July 17

Brazil’s FIES 2026 second‑semester enrollment runs 14‑17 July; over 112 000 slots nationwide, half reserved for low‑income students, results due 30 July.

68 sources. https://clstr.news/cluster/brazil-opens-enrollment-for-2026-secondsemester-fies-student-loans-1

### 2026-07-11: Brazil opens enrollment for 2026 second‑semester Fies student loans

Brazil's Fies student‑loan program opened second‑semester 2026 registrations (July 14‑17), offering 44,867 slots, new income‑based eligibility, and revised grace‑period interest rules.

10 sources. https://clstr.news/cluster/brazil-opens-enrollment-for-2026-secondsemester-fies-student-loans

### 2026-07-10: CMN approves interest on Fies Empreendedor loans during grace period

CMN approved a rule that Fies Empreendedor borrowers will now pay interest during the grace period, increasing loan costs up to 11.19% annually.

21 sources. https://clstr.news/cluster/brazils-cmn-orders-interest-on-fies-empreendedor-loans-during-grace-period

### 2026-07-10: Brazil's Congress advances consumer protection bills on telemarketing calls and hidden fees

Brazil's Senate and Chamber move forward with consumer protection bills: one targeting unwanted telemarketing calls with fines and a phone registry, another demanding transparent pricing for installment sales,

5 sources. https://clstr.news/cluster/brazils-congress-advances-consumer-protection-bills-on-telemarketing-calls-and-hidden-fees

### 2026-07-10: Brazil's soaring fiscal deficit pressures bond markets as dollar inflows reach multi‑year high

Brazil's fiscal deficit jumped to R$56.1 bn in May and debt hit 81.1% of GDP, while the first half of 2026 saw a net US$17.8 bn dollar inflow, the strongest since 2018.

2 sources. https://clstr.news/cluster/brazils-soaring-fiscal-deficit-pressures-bond-markets-as-dollar-inflows-reach-multiyear-high

### 2026-07-07: Brazilian families hit record debt levels, over 80% of households burdened

Over 80% of Brazilian families are in debt, with around 30% of income tied to payments; digital loan portability under Open Finance could halve that burden.

4 sources. https://clstr.news/cluster/brazils-household-debt-hits-record-high-tying-up-nearly-half-of-income

### 2026-07-06: Brazilian water and electricity providers roll out social aid programs in Rio das Ostras and Itaboraí

Rio+Saneamento offers weekly on‑site Tarifa Social registrations in Rio das Ostras, while Enel Rio runs a fridge‑exchange and energy‑saving program for 50 Itaboraí families.

2 sources. https://clstr.news/cluster/brazilian-water-and-electricity-providers-roll-out-social-aid-programs-in-rio-das-ostras-and-itabora

### 2026-07-06: Brazil water utilities offer deep discounts to low‑income customers

Sabesp in São Paulo and Senador Canedo’s municipality launch water‑bill discount schemes, offering up to 80% debt cuts and up to 50% tariff reductions for low‑income families.

3 sources. https://clstr.news/cluster/brazil-water-utilities-offer-deep-discounts-to-lowincome-customers

### 2026-07-06: Brazil's micro and small enterprises face rising debt burden

MACE data show over 1.6 million Brazilian firms, mainly micro‑enterprises, are in debt, with older companies also heavily burdened and average debts ranging from under R$ 20k in Rio to over R$ 110k in Santa Cát

3 sources. https://clstr.news/cluster/brazils-micro-and-small-enterprises-face-rising-debt-burden

### 2026-07-05: Brazil's Federal District passes stricter consumer debt protest regulations

Brazil's Federal District legislature approved rules that require 30‑day notice before debt protests, ban protests on small or recent debts, and add protections for vulnerable consumers, pending gubernatorial.

2 sources. https://clstr.news/cluster/brazils-federal-district-passes-stricter-consumer-debt-protest-regulations

### 2026-07-03: Brazil's CMN Regulates Fies Entrepreneur and Desenrola Adimplentes Loans

Brazil's CMN approved regulations for the Fies Entrepreneur and Desenrola Adimplentes credit lines, setting interest up to 11.19% annual, loan terms up to 60‑96 months and allocating up to R$3 billion to expand

16 sources. https://clstr.news/cluster/brazils-monetary-council-approves-new-credit-programs-for-students-and-debt-renegotiation

### 2026-07-03: Brazil's Finance Ministry allocates up to R$3 billion for expanded Desenrola Adimplentes program

Brazil allocates up to R$3 bn for Desenrola Adimplentes, a debt‑renegotiation program criticized for encouraging payment delays and limited to certain borrowers.

4 sources. https://clstr.news/cluster/brazils-cmn-approves-up-to-r3-billion-for-desenrola-adimplentes-debtrenegotiation-program

### 2026-07-03: Brazil faces higher debt risk and record delinquency as economy strains

Brazil's fiscal uncertainty may drive the dollar above R$6, while record credit delinquency—4.7% overall, 5.6% for households—highlights deepening economic strain.

2 sources. https://clstr.news/cluster/brazil-faces-higher-debt-risk-and-record-delinquency-as-economy-strains

### 2026-06-30: Brazil's Central Bank launches digital duplicate system to boost corporate credit

Brazil’s Central Bank has launched a digital duplicate system, slated for full rollout by June 2028, to modernise the R$ 11 trillion corporate credit market, improve transparency, curb fraud and expand SME loan

13 sources. https://clstr.news/cluster/brazils-bdmg-highlights-green-financing-febraban-warns-limited-bank-uptake-of-novo-desenrola

### 2026-06-29: Brazil's FIES 2026 logs 113,000 debt renegotiations and opens enrollment extension deadline

Brazil's FIES 2026 has renegotiated over 113,000 student loans, cutting debt by more than R$4.6 bn, while a July 1‑3 window lets postponed applicants finalize enrollment.

3 sources. https://clstr.news/cluster/brazils-fies-2026-logs-113000-debt-renegotiations-and-opens-enrollment-extension-deadline

### 2026-06-29: Brazil's credit delinquency hits record high in May

Brazil's credit delinquency hit a record 4.7% in May, prompting an expanded Desenrola debt‑renegotiation program and highlighting rising defaults across free‑credit and non‑earmarked loans.

10 sources. https://clstr.news/cluster/brazils-may-credit-delinquency-hits-record-as-rates-climb

### 2026-06-26: Brazil's Caixa renegotiates R$5.5 billion of debt under Novo Desenrola program

Caixa renegotiated R$5.5 billion of debt via Novo Desenrola, giving an average 79.3% discount; the program targets families, firms and students amid rising household indebtedness in Brazil.

5 sources. https://clstr.news/cluster/brazils-debt-renegotiation-drives-record-settlements-for-families-and-gen-z-borrowers

### 2026-06-26: Brazil's water utilities raise tariffs and replace meters in São Paulo municipalities

Brazilian water providers in São Paulo state announced a 15.46% tariff hike in Vargem Grande and a free replacement of over 3,300 meters in Mairinque.

2 sources. https://clstr.news/cluster/brazils-water-utilities-raise-tariffs-and-replace-meters-in-so-paulo-municipalities

### 2026-06-25: Roraima and Goiás expose massive payroll loan deductions harming thousands of public employees

Audits in Brazil’s Roraima and Goiás states reveal thousands of public employees burdened by excessive payroll loan deductions, prompting suspensions, contract terminations and corrective measures.

5 sources. https://clstr.news/cluster/roraima-and-gois-expose-massive-payroll-loan-deductions-harming-thousands-of-public-employees

### 2026-06-24: Brazilian utilities roll out debt‑relief campaigns amid World Cup

Brazilian utilities Águas do Rio and Neoenergia Pernambuco offer special debt‑relief deals on water and electricity bills during the World Cup, with discounts up to 90 % and promotional incentives.

3 sources. https://clstr.news/cluster/brazilian-utilities-roll-out-debtrelief-campaigns-amid-world-cup

### 2026-06-22: Aegea/Corsan tariff hikes and Itabira sewage issues draw scrutiny in Brazil

Aegea/Corsan's high water tariffs and lack of investment plan trigger a Brazilian parliamentary hearing, while Itabira's sewage chief warns of misuse and possible tariff effects.

3 sources. https://clstr.news/cluster/aegeacorsan-tariff-hikes-and-itabira-sewage-issues-draw-scrutiny-in-brazil

### 2026-06-22: Brazilian states tighten payroll loan rules for public servants

Tocantins and Mato Grosso enact stricter payroll‑loan rules for state employees, extending repayment terms, limiting income use, and restricting providers to Banco do Brasil.

2 sources. https://clstr.news/cluster/brazilian-states-tighten-payroll-loan-rules-for-public-servants

### 2026-06-21: Brazil's Acre Consumer Agency Holds First Debt Renegotiation Fair for Elderly

Procon Acre launched a four‑day debt renegotiation fair for seniors in Rio Branco, with major banks present, while Brazilian law mandates removal of negative credit records after five years, limiting creditor’s

2 sources. https://clstr.news/cluster/brazils-acre-consumer-agency-holds-first-debt-renegotiation-fair-for-elderly

### 2026-06-21: Brazil's Worker Credit Scheme Shows 73% Drop in Loan Size After One Year

One year after Brazil's private payroll‑loan program began, average loans fell 73% and new rules from 23 June will require employers to verify loan contracts at termination.

5 sources. https://clstr.news/cluster/brazils-worker-credit-scheme-shows-73-drop-in-loan-size-after-one-year

### 2026-06-19: Brazil expands water and sanitation services with new tariffs, debt deals and infrastructure upgrades

Brazil rolls out a social water tariff in Rio Grande do Sul, expands home sanitation in Maricá, approves a Sabesp debt plan in Taboão da Serra, advances Porto Alegre's water concession and funds a dedicated, 18

7 sources. https://clstr.news/cluster/brazilian-cities-taboo-da-serra-and-porto-alegre-move-forward-on-water-utility-debt-and-concession-p

### 2026-06-17: Brazil offers debt‑relief discount campaigns for students and cardholders

Brazil's Senac Acre and Cartão de TODOS launch discount campaigns offering up to 100 % and 70 % debt forgiveness respectively, to help indebted students and cardholders.

2 sources. https://clstr.news/cluster/brazil-offers-debtrelief-discount-campaigns-for-students-and-cardholders

### 2026-06-16: Brazil’s household debt hits record high, with over 80% of families in arrears

Brazil’s household debt reaches a record 80.9% of families, driven by ultra‑high interest rates; a regional survey shows a slight dip in Cuiabá but debt remains widespread.

2 sources. https://clstr.news/cluster/brazils-household-debt-hits-record-high-with-over-80-of-families-in-arrears

### 2026-06-16: Brazil confronts record consumer debt and disputed R$140 bn agribusiness loan renegotiation

Brazil’s government forecasts a R$140 bn fiscal impact from agribusiness debt renegotiation, a claim challenged by legislators, as consumer delinquency reaches a record 75 million and over 81 % of families hold

9 sources. https://clstr.news/cluster/brazils-consumer-delinquency-hits-record-75-million-in-may-2026

### 2026-06-15: Brazil reports surge in condo debt protests and hidden credit‑record fraud

Brazil saw a 569% rise in condo debt protests in 2025 and uncovered a scheme hiding over R$52.8 million in credit‑record protests in Ceará, prompting CNJ monitoring.

2 sources. https://clstr.news/cluster/brazil-reports-surge-in-condo-debt-protests-and-hidden-creditrecord-fraud

### 2026-06-13: Brazil's banks and Rio Grande do Norte government clash over consigned loan debts

Banco do Brasil demands over R$ 337 million from Rio Grande do Norte over halted consigned loans, while Brazil's Supreme Court curtails consigned‑loan contracts for INSS retirees, impacting billions in credit.

2 sources. https://clstr.news/cluster/brazils-banks-and-rio-grande-do-norte-government-clash-over-consigned-loan-debts

### 2026-06-12: Brazil's TCU reviews transfer of 'forgotten' central‑bank funds to Desenrola debt program

Brazil's TCU is examining the legality of transferring up to R$8 billion of Central Bank’s “forgotten” funds to the Fundo de Garantia de Operações to support the Desenrola debt‑renegotiation program after a R$5

2 sources. https://clstr.news/cluster/brazils-tcu-reviews-transfer-of-forgotten-centralbank-funds-to-desenrola-debt-program

### 2026-06-12: Brazil Central Bank appoints commission to probe Dank credit firm liquidation

Brazil's central bank created a two‑person commission to investigate the March 2026 liquidation of Dank Sociedade de Crédito Direto, giving it up to 120 days (extendable) to examine causes, responsibilities and

5 sources. https://clstr.news/cluster/brazil-central-bank-appoints-commission-to-probe-dank-credit-firm-liquidation

### 2026-06-12: Brazil's TCU probes use of forgotten bank funds in Desenrola 2.0 program

Brazil's TCU is investigating the R$5.7 billion transfer of unclaimed bank deposits to the FGO fund that backs the Desenrola 2.0 debt‑renegotiation program, questioning its budgetary compliance and legality.

3 sources. https://clstr.news/cluster/brazils-tcu-probes-use-of-forgotten-bank-funds-in-desenrola-20-program

### 2026-06-12: Brazil's Desenrola Program Renegotiates Over 100,000 Student Loans

Brazil's Desenrola Fies renegotiated 100,209 student loans, cutting debt to R$1.13 bn. A new scheme for punctual borrowers will launch by June, targeting 10 million debtors.

2 sources. https://clstr.news/cluster/brazils-desenrola-program-renegotiates-over-100000-student-loans

### 2026-06-10: Over 70% of families in Campo Grande and São Paulo carry debt, study finds

May household‑debt survey finds 72% of Campo Grande families and 74% of São Paulo families owe money, mainly on credit cards, with lower‑income households most affected.

2 sources. https://clstr.news/cluster/over-70-of-families-in-campo-grande-and-so-paulo-carry-debt-study-finds

### 2026-06-10: Brazil Survey Finds Only 25% Debt‑Free, Money Issues Shape Romantic Relationships

A June 2026 Genial/Quaest poll finds only 25% of Brazilians debt‑free, while a Serasa study shows 90% value financial stability in partners and many cite money‑related relationship conflicts.

2 sources. https://clstr.news/cluster/brazil-survey-finds-only-25-debtfree-money-issues-shape-romantic-relationships

### 2026-06-09: Brazil's private payroll loan balance exceeds R$100 billion as firms adopt new employee benefit

Brazil's private payroll loan stock hit R$101.6 bn in March 2024, up 142% YoY; 45% of firms lack awareness. New March 2024 rules let employers offer the risk‑free benefit via payroll deductions.

2 sources. https://clstr.news/cluster/brazils-private-payroll-loan-balance-exceeds-r100-billion-as-firms-adopt-new-employee-benefit

### 2026-06-09: Brazil's Novo Desenrola program aids over 6 million borrowers

Brazil's Novo Desenrola debt program has helped over 6 million people, clearing about 4 million small debts with discounts up to 90%; the initiative runs until Aug 2.

3 sources. https://clstr.news/cluster/brazils-novo-desenrola-program-aids-over-6-million-borrowers

### 2026-06-08: Brazil's household debt reaches record high, exposing wealth‑building gap

Brazil's household debt hit a record 80.4% of families in March, with 29.6% overdue, highlighting structural gaps in wealth building and financial behavior.

2 sources. https://clstr.news/cluster/brazils-household-debt-reaches-record-high-exposing-wealthbuilding-gap

### 2026-06-08: Brazil records historic surge in corporate defaults with over 9 million firms in arrears

Brazil's corporate defaults hit a record, affecting over 9 million firms with R$220.9 bn in overdue debt; micro‑enterprises and the Southeast are hit hardest amid high interest rates.

2 sources. https://clstr.news/cluster/brazil-records-historic-surge-in-corporate-defaults-with-over-9-million-firms-in-arrears

### 2026-06-06: Brazil records surge in corporate and rural credit defaults

Brazil's corporate defaults hit a record 9 million firms, while rural credit delinquency rose to 8.2% in Q4 2025, the highest in the series.

2 sources. https://clstr.news/cluster/brazil-records-surge-in-corporate-and-rural-credit-defaults

### 2026-06-06: Brazil hits record corporate defaults as consumer credit defaults surge

Brazil's corporate defaults hit a record 9 million firms with R$220.9 bn debt, while 74 million consumers face credit restrictions and loan‑scam warnings.

2 sources. https://clstr.news/cluster/brazil-hits-record-corporate-defaults-as-consumer-credit-defaults-surge

### 2026-06-06: Brazil extends Desenrola Rural debt‑relief deadline to Dec 20 for small farmers

Brazil’s Desenrola Rural program now allows small farmers to renegotiate 2012‑2022 credit debt with up to 96 % discount, deadline extended to 20 Dec.

4 sources. https://clstr.news/cluster/brazil-extends-desenrola-rural-debtrelief-deadline-to-dec-20-for-small-farmers

### 2026-06-05: Brazil sees record 9 million companies with overdue debts

Brazil’s April 2026 data show a record 9 million companies in default, with R$ 220.9 bn in debt, driven by high interest rates and a tight credit market.

5 sources. https://clstr.news/cluster/brazil-records-9-million-corporate-defaults-as-interest-rates-stay-high

### 2026-06-03: Brazilian water utilities launch major debt‑renegotiation programs

Rio de Janeiro and Porto Alegre water utilities offered discounted, installment‑based debt‑renegotiation programmes, recovering millions of reais and helping thousands of households regularise overdue water and

2 sources. https://clstr.news/cluster/brazilian-water-utilities-launch-major-debtrenegotiation-programs

### 2026-06-02: Brazil's Desenrola 2.0 program renegotiates R$20 million in household debt

Brazil's Desenrola 2.0 debt‑renegotiation program, with a new simulator, has restructured about R$20 million for 1.4 million households, offering up to 90 % discounts and FGTS use.

2 sources. https://clstr.news/cluster/brazils-desenrola-20-program-renegotiates-r20-million-in-household-debt

### 2026-05-30: Brazil launches Desenrola Brasil allowing workers to use FGTS to settle debts

Brazil's Desenrola Brasil lets workers use up to 20 % of FGTS (or R$1,000) to renegotiate overdue debts with up to 90 % discount, 1.99 % monthly interest, targeting R$8.2 bn in funds.

36 sources. https://clstr.news/cluster/brazil-launches-fgts-based-debt-relief-program-desenrola-brasil

### 2026-05-20: Brazil expands Desenrola program, renegotiates billions in debt

Brazil’s Desenrola program, boosted by Banco do Brasil, has renegotiated nearly R$12 bn in debts, helping over a million people, including family farmers and students, with major discounts and new credit lines.

3 sources. https://clstr.news/cluster/brazil-expands-desenrola-program-renegotiates-billions-in-debt

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Cite as: Brazil FIES enrollment and debt renegotiation updates. CLSTR, https://clstr.news/situations/brazil-desenrola-debt-renegotiation-program