The Brazilian federal government launched the Desenrola 2.0 program on Monday, April 4, 2026, to help citizens settle outstanding debts [1, 2].

The initiative targets the reduction of family indebtedness to alleviate financial pressure on consumers across the country [4, 5]. By providing a mechanism to clear arrears, the government aims to stimulate the domestic economy and improve the credit standing of lower-income households.

Under the new rules, eligible participants may use up to 20% [2] of their Guarantee Fund for Time of Service (FGTS) balance to pay off debts [1, 2]. The program is available to individuals with a monthly income of up to five minimum wages, which is approximately R$ 8,105 [1, 2].

Official reports indicate that the program could lead to a potential reduction in total debt of up to 90% [3]. This significant discount is designed to encourage a higher volume of settlements and provide a fresh start for those struggling with high-interest liabilities [3, 5].

The launch occurred on Monday morning [1, 2]. While some reports initially suggested the program would be released in the coming days, the federal government proceeded with the formal rollout on April 4 [1, 2].

Participants must meet the income threshold to qualify for the FGTS-linked settlement options [1, 2]. The government said the program is a critical tool for economic relief for the Brazilian working class [5].

“The program is available to individuals with a monthly income of up to five minimum wages.”

The Desenrola 2.0 program represents a strategic move by the Brazilian government to utilize locked labor funds (FGTS) to resolve systemic consumer debt. By allowing a portion of these funds to be diverted toward debt settlement, the state is attempting to increase liquidity and consumption without direct treasury spending, though it reduces the long-term savings safety net for the participants.