Lula targets defaulters and signs Desenrola 2.0 MP

The president (PT) signed, this Monday (May 4, 2026), at Palácio do Planalto, to renegotiate debts. The program serves 4 categories: families, companies, students and rural entrepreneurs.

At the signing ceremony, the president stated that “It’s great that people have the capacity to get into debt” since “responsibly” and without “spend more than you can afford”.

Lula also said that “it is not correct for a Brazilian citizen to have a bad name at Serasa because of a debt of R$100”. The new program establishes that .

“The market turns this citizen into a clandestine person, he becomes a customer of loan sharking. When he falls into loan sharking, then he will be systematically threatened for the rest of his life”he declared.

Here are the features of Desenrola 2.0 for families:

• pays debts incurred until January 31, 2026;
• for families that receive up to 5 minimum wages;
• discounts of 30% to 90% on the value of debts and interest of a maximum of 1.99%;
• 30 days for renegotiation and another 35 days for payment of the 1st installment;
• use of the FGTS (Service Time Guarantee Fund) to pay debts;
• use of the FGO (Operations Guarantee Fund) for families to renegotiate overdue debts;
• blocking the use of online betting platforms for 1 year.

Here are the features of Desenrola 2.0 for Fies:

• serves students inside and outside Cadúnico;
• debts overdue from 90 days to more than 1 year;
• discounts from 77% to 99%.

Here are the features of Desenrola 2.0 for companies:

• serves entrepreneurs with revenues of up to R$4.8 million per year;
• grace period of 24 months;
• maximum term of 96 months;
• delay tolerance for 90 days.

Here are the characteristics of Desenrola 2.0 for rural entrepreneurs:

• it should reach 800 thousand family farmers, that is, 1.3 million families.

Watch the government’s press interview:

LULA & POPULARITY

The PT member has intensified his speech for the end of Brazilians’ debt. It came to , Dario Durigan, publicly, so that he “Try to solve it” the debt problem in the country. The speech is part of an attempt by the president to improve his popularity due to the 2026 presidential elections. According to a survey by the PowerDataa research company from the Poder360, the PT member’s disapproval, the highest rate since 2024.

According to the same survey, voters’ assessment of the Chief Executive is worse than their view of the government as a whole. In the case of the federal administration, 57% disapprove and 37% approve. The data comes from research by the PowerData held from March 21 to 23, 2026.

At the same time as there is an increase in rejection of the PT member, there is an increase in voting intentions for the senator and pre-candidate for President (PL). Recent national polls show that the son of former president Jair Bolsonaro (PL) or the PT member in a possible 2nd round.

A survey by AtlasIntel, released on April 28, shows that Lula is tied with both Flávio and former governor Romeu Zema (Novo-MG). A survey by Futura Apex, from April 18, shows that the PT member and the senator are tied in the 1st round, but Flávio has 48% against 42.6% in a 2nd round.

UNROLL

The 1st phase of Desenrola was announced in 2024 and benefited more than 15 million people with the renegotiation of R$53 billion in debt. According to the Ministry of Finance, there was a drop in defaults at the time.

Despite this, a Serasa survey shows that 82.8 million Brazilians were negative in March.