With interest of 1.99%, Desenrola 2.0 can unlock consumption for 82 million people in debt
The federal government is preparing the launch of Desenrola 2.0 with the expectation of significantly expanding the scope of the debt renegotiation policy, given a scenario of record defaults in the country. In March 2026, 82.8 million Brazilians had a negative name, according to data from Serasa.
The new phase of the program comes after the first edition, which ended in 2024, reached around 15 million people and enabled the renegotiation of R$53 billion in debt. Despite the significant volume, the impact was limited compared to the total universe of debtors, which motivated the redesign of the initiative.
Develops 2.0 targeting young people and tries to reduce R$120 billion in Fies debts
Government includes student financing in program that can renegotiate up to R$120 billion
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The current proposal expands the scope and includes new tools to encourage adherence. Among them is the possibility of using up to 20% of the balance of the Severance Indemnity Fund (FGTS) to pay off debts, as long as there is a minimum discount of 40% on the amount owed. The model also provides interest of up to 1.99% per month and rebates that can reach 90%.
Another new point is the restriction on the use of online betting platforms for a period of one year for those who join the program. The measure seeks to reduce the risk of re-indebtedness and increase the effectiveness of renegotiations.
The program design was structured by the Ministry of Finance in conjunction with financial institutions. The government’s expectation is that the guarantee of receipt of a relevant part of the credits, made possible through the participation of the FGTS and guarantee funds, will encourage banks to join.
In addition to traditional debts, such as credit cards, overdrafts and personal credit, the government is also considering including student financing. Fies accumulates around R$120 billion in debts, with 65.1% of contracts in arrears, which expands the potential reach of the new phase.
The internal assessment is that the increase in default is linked to structural factors, such as high interest rates, pressured income and difficulty in accessing credit. Even after renegotiations, some consumers delay payments again, which limits the effect of specific programs.
By expanding the scope of Desenrola, the government seeks not only to reduce the number of negative people, but also to unlock consumption. The expectation is that debt renegotiation will free up family income and contribute to improving credit conditions in the economy.
