In 2023, 78% of families in Brazil were in debt, and this number rose to 80% in 2026
Almost one third of family income in Brazil is committed to paying debtsaccording to a survey carried out by the Federation of Commerce of Goods, Services and Tourism of the State of São Paulo (FEComércio).
This scenario, which has continued since 2023, highlights the high level of debt of the population. Some capitals have even more alarming rates, such as Teresina, where 42.4% of income goes to debt, followed by Natal with 35.6% and Macapá with 35.5%.
The increase in the number of indebted families is a direct reflection of the economic difficulties faced in the country. In 2023, 78% of families were in debt, and this number rose to 80% in 2026.
Furthermore, default, which refers to overdue debts, also grew significantly, rising from 50% in 2023 to 65% in 2026. This increase in default indicates that many families are unable to meet their financial commitments on time, further worsening the economic situation.
In response to this situation, the federal government launched the Desenrola 2.0 program. This program aims to offer a solution for indebted families, allowing the renegotiation of debts such as credit cards, special checks and personal credit.
Furthermore, the program allows the use of the Service Time Guarantee Fund (FGTS) to pay off bills, providing financial relief for many families.
Desenrola 2.0 also covers debts from the Student Financing Fund (FIES), offering an opportunity for Brazilians to reorganize their finances and reduce the impact of debt on their lives.
See the full report:
*Report produced with the help of AI
