With millions of Brazilians in debt and interest rates soaring, the proposal to use FGTS to pay off debts reemerges and sparks immediate curiosity: does clearing one's name this way really change life or just create a temporary sense of relief?

With millions of Brazilians in debt and interest rates soaring, the proposal to use FGTS to pay off debts reemerges and sparks immediate curiosity: does clearing one’s name this way really change life or just create a temporary sense of relief?

Written by Caio Aviz

Published on 14/04/2026 at 17:10

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Use of FGTS returns to the center of discussions in 2026 as indebtedness grows and experts point to structural and behavioral risks

The indebtedness of Brazilian families reaches record levels, while delinquency continues to advance across the country.

According to data released by Serasa Experian in 2026, about 67% of Brazilian workers can only maintain their expenses for one month without a salary, highlighting a scenario of financial vulnerability.

Moreover, delinquency is growing in a context of strong economic pressure, especially in light of the elections scheduled for October 2026, when fiscal policies gain greater relevance.

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Proposal to use FGTS gains strength amid the crisis

The proposal under analysis aims to reissue the Desenrola program, allowing workers to use FGTS resources to pay off debts.

This alternative emerges as an immediate solution for millions of Brazilians facing difficulties in balancing their monthly budget.

On March 25, 2026, President Luiz Inácio Lula da Silva and the President of the Central Bank, Gabriel Galípolo, publicly acknowledge the gravity of the situation.

According to the statements, about 100 million Brazilians face interest rates exceeding 100% per year, which compromises their ability to pay and expands the cycle of indebtedness.

Despite this, experts highlight that the measure does not address the root of the problem, which directly involves the lack of financial education.

***FGTS cannot be used for emergencies at the cost of leaving the worker unprotected. Credit: Disclosure/Caixa***

Financial habits continue to be a structural challenge

The absence of basic financial organization practices still drives the return of debts.

Among the recommended behaviors, controlling the budget with purpose, creating automatic savings, and postponing impulsive purchases stand out.

Additionally, the 24 to 48-hour rule reduces hasty financial decisions and helps control consumption.

Studies indicate that about 70% of people who renegotiate debts fall back into debt within 12 months, mainly due to the lack of financial planning.

This data reinforces the importance of building an emergency fund, which should cover between six and twelve months of expenses, preferably in fixed income.

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Impacts of using FGTS raise concerns

The use of FGTS to pay off debts raises relevant concerns about the financial future of workers.

This happens because the fund, intended for security in specific moments, starts to function as an immediate solution for financial problems.

Without a change in behavior, the cycle of indebtedness tends to repeat itself, even after debts are settled.

Moreover, inflation continues to pressure, while interest rates remain high, keeping the economic environment challenging.

Another relevant point involves the workplace.

According to Serasa Experian, 39% of workers report insomnia caused by financial stress, which reduces productivity and increases absenteeism in companies.

Financial education is pointed out as the main solution

Experts point to structured financial education as the main tool to break the cycle of indebtedness.

Among the essential practices are strict budget control, prioritizing debts with higher interest rates, and building financial reserves.

Additionally, postponing immediate gratifications strengthens long-term stability.

Without these changes, programs like Desenrola using FGTS function only as temporary solutions.

Thus, the debate remains open about the effectiveness of the measure in the current economic scenario.

In this context, the central question arises: using the FGTS to pay off debts represents a definitive solution or just a temporary relief in the face of a structural problem?

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With millions of Brazilians in debt and interest rates soaring, the proposal to use FGTS to pay off debts reemerges and sparks immediate curiosity: does clearing one’s name this way really change life or just create a temporary sense of relief?

Use of FGTS returns to the center of discussions in 2026 as indebtedness grows and experts point to structural and behavioral risks

Proposal to use FGTS gains strength amid the crisis

Financial habits continue to be a structural challenge

Impacts of using FGTS raise concerns

Financial education is pointed out as the main solution

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Financial education is pointed out as the main solution

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