Program encompasses companies, Fies, rural entrepreneurs and families, the flagship of the measure signed this Monday (May 4)
The president (PT) signed, this Monday (May 4, 2026), the provisional measure of Desenrola 2.0. The 2nd phase of the debt renegotiation program covers 4 categories: companies, students from Fies (Student Financing Fund), rural entrepreneurs and families — a group considered the flagship of the measure.
Among the novelties of the new phase of the program are the inclusion of student debts, which, the increase in the grace period, the term of operations and tolerance for delays for companies, in addition to the extension of the term of Desenrola Rural.
COMPANIES
Micro-enterprises (with annual revenue of up to R$360,000) will be able to use resources from Procred or FGO (Operations Guarantee Fund). They will have a maximum grace period of 24 months, a maximum operating period of 96 months and a 90-day delay tolerance for granting new credits.
Furthermore, there was an increase in the total credit value from 30% of revenue (with a ceiling of R$150 thousand) to 50% (with a ceiling of R$180 thousand). In companies led by women, the limit reaches 60% of revenue (with a ceiling of R$180,000).
Micro and small companies (with annual revenue of up to R$4.8 million) will be able to use resources from Pronamp or FGO. The conditions are the same as for micro-enterprises. The difference is in the increase in the value of the credit, from R$250 thousand to R$500 thousand.
FIES
For Fies, the program serves students enrolled or not in CadÚnico with outstanding debts of 90 days to more than 1 year.
For debts overdue for more than 90 days, payment can be made in cash, with a discount on all interest and fines and 12% of the principal, or in installments in up to 150 installments, with a discount on interest and fines.
For students outside CadÚnico, debts unpaid for more than 1 year have a discount of up to 77%, including principal, interest and fine, with full payment of the outstanding balance.
For those registered with CadÚnico, there is a discount of up to 99%, also with full payment of the outstanding balance.
RURAL ENTREPRENEURS
For rural entrepreneurs, the Desenrola Rural deadline was extended. The expectation is that the measure will reach an additional 800,000 family farmers — that is, 1.3 million people.
FAMILIES
The program includes families with an income of up to 5 minimum wages, with outstanding debts of 90 days to 2 years and incurred until January 31, 2026.
Debits will have discounts of 30% to 90%, with a maximum interest rate of 1.99% per month and a term of up to 48 months. There will be a period of up to 35 days to pay the 1st installment.
Anyone who joins the program will have their CPF blocked in online betting houses for up to 1 year.
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.
