The Brazilian government launched the Desenrola 2.0 program to allow workers to renegotiate debts using their FGTS savings with significant discounts [1], [3].
This initiative aims to reduce household indebtedness and stimulate the national economy by clearing financial burdens for low- and middle-income citizens [1], [5].
Eligible participants must have a maximum monthly income of R$ 8,105 [1]. Under the program, which was launched on May 4, 2026 [1], workers can receive discounts of up to 90% on their debts [2].
Finance Minister Dario Durigan said the new debt renegotiation program, Desenrola 2.0, should offer discounts of up to 90% and allow the use of FGTS [2]. The FGTS is a mandatory severance fund that employees accumulate during their employment in Brazil.
While the program was formally introduced earlier this month, workers can begin using their FGTS balances for debt settlement starting Tuesday, May 26, 2026 [3]. The government estimates that approximately R$ 8 billion will be moved through the program nationwide [3].
The program is designed to provide a pathway for citizens to "clean their names," a local term for restoring creditworthiness after defaulting on loans or bills [3]. By leveraging the FGTS funds, the government seeks to accelerate the settlement of outstanding liabilities that otherwise hinder consumer spending and economic growth [5].
“Desenrola 2.0 should offer discounts of up to 90% and allow the use of FGTS.”
The Desenrola 2.0 program represents a strategic effort by the Brazilian government to increase liquidity for households by converting locked severance savings into immediate debt relief. By targeting those earning up to R$ 8,105, the state is attempting to stabilize the credit market and boost domestic consumption ahead of future economic cycles.
