The federal government is offering up to 90% discount to renegotiate debts on credit cards, overdrafts, and loans through the new Desenrola 2.0, which has already renegotiated nearly R$ 1 billion and has 200,000 requests under review at banks.

Written by Alisson Ficher

Published on 13/05/2026 at 20:13

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Federal program expands renegotiation of bank debts with discounts that can reach 90%, lower interest rates, and installment plans up to 48 months. The first week of Desenrola 2.0 has already moved almost R$ 1 billion in agreements and accelerated requests sent to participating banks.

Almost R$ 1 billion in debts was renegotiated by Desenrola 2.0 just in the first week of operation, according to the report presented by the Minister of Finance, Dario Durigan, on May 11, 2026, during an interview given in Brasília about the program’s initial results.

At the same time, about 200,000 renegotiation requests have already reached participating banks, while approximately 100,000 contracts are in the final approval stage, indicating accelerated progress of negotiations since the first days of operation of the new stage of the federal program.

Intended for indebted consumers, the initiative allows people with a monthly income of up to five minimum wages, equivalent to R$ 8,105, to renegotiate financial liabilities under conditions considered more accessible, especially in modalities with historically high interest rates.

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Discounts of Desenrola 2.0 reach 90%

Depending on the type of debt and the period of default, the discounts offered in renegotiations can vary between 30% and 90%, according to the conditions established for the new round of the federal program.

In the revolving credit card and overdraft, for example, the highest reductions can reach the ceiling of 90% when the debts have longer periods of delay within the range provided by the official rules.

In personal credit contracts without collateral and in credit card installment plans, discounts are also available, although the percentages vary according to the contracted modality and the time of default recorded by the consumer.

In addition to the reductions applied to the total debt value, the program sets a renegotiation limit of up to R$ 15,000 per person in each bank, allowing installment plans with a maximum term of 48 months.

Another point highlighted by the government is the limitation of the interest rate to 1.99% per month, a percentage lower than normally practiced in traditional modalities such as revolving credit cards and overdrafts.

Under the announced conditions, the first installment of the new agreement may be due up to 35 days after the signing of the renegotiation contract.

Fies will also be included in the renegotiation

While bank renegotiations progress, the government is also working to include defaulting students from the Student Financing Fund (Fies) in the new stage of Desenrola 2.0.

According to Dario Durigan, the system intended for Fies contracts should be operational later this week, after technical adjustments made between participating banks, the Ministry of Education, and the federal government’s economic team.

In this specific model, the conditions offered to students vary according to the beneficiary’s profile and the period of accumulated delay over the student financing contract.

For debts overdue for more than 360 days, students not in CadÚnico may receive discounts of up to 77%, while those registered in the social registry may have a reduction that can reach 99% of the debt.

Government prepares benefit for those who kept accounts up to date

Alongside measures aimed at defaulters, the Ministry of Finance is also preparing an initiative directed at consumers who managed to keep payments up to date despite the high-interest rate scenario.

According to Durigan, this proposal will still be detailed by the federal government and should function as a kind of incentive for those who remained compliant over the past months.

Structured in four main fronts, the New Desenrola Brasil brings together actions aimed at families, Fies contracts, companies, and rural sector producers, expanding the reach of the renegotiations planned by the program.

The strategy announced by the economic team foresees a national mobilization lasting 90 days, during which the government intends to accelerate agreements and reduce the level of indebtedness among consumers and companies.

In addition to traditional renegotiations, the program also opened the possibility of using part of the available balance in the FGTS for payment of debts included in the new conditions.

According to the rules disclosed so far, workers may use up to 20% of the existing balance in the fund accounts or up to R$ 1,000, always prevailing the higher available amount.

The federal government is offering up to 90% discount to renegotiate debts on credit cards, overdrafts, and loans through the new Desenrola 2.0, which has already renegotiated nearly R$ 1 billion and has 200,000 requests under review at banks.

Federal program expands renegotiation of bank debts with discounts that can reach 90%, lower interest rates, and installment plans up to 48 months. The first week of Desenrola 2.0 has already moved almost R$ 1 billion in agreements and accelerated requests sent to participating banks.

Discounts of Desenrola 2.0 reach 90%

Fies will also be included in the renegotiation

Government prepares benefit for those who kept accounts up to date

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The federal government is offering up to 90% discount to renegotiate debts on credit cards, overdrafts, and loans through the new Desenrola 2.0, which has already renegotiated nearly R$ 1 billion and has 200,000 requests under review at banks.

Federal program expands renegotiation of bank debts with discounts that can reach 90%, lower interest rates, and installment plans up to 48 months. The first week of Desenrola 2.0 has already moved almost R$ 1 billion in agreements and accelerated requests sent to participating banks.

Discounts of Desenrola 2.0 reach 90%

Fies will also be included in the renegotiation

Government prepares benefit for those who kept accounts up to date

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