The new edition of the Desenrola debt renegotiation program, presented this Monday (4), by the Lula governmentwas divided into four fronts for specific audiences: Families (for people with income of up to five minimum wages), Fies (defaulting students), Companies (micro and small businesses) and Rural (family farmers).
Understand the characteristics and rules of each modality below.
DEVELOP FAMILIES
It is the main line, focusing on Brazilians with an income of up to 5 minimum wages (R$8,105).
Eligible debts: The program covers credit card, overdraft and personal credit (CDC) debts contracted until January 31, 2026. These debts must be in arrears for a period between 91 days and 2 years.
Conditions: The discounts offered range from 30% to 90% of the debt amount. Specifically, for revolving and overdraft debts, discounts range from 40% to 90%, while for personal credit they will be from 30% to 80%. The longer the debt is delayed, the greater the discount applied tends to be.
Where to order: Membership can be made directly through the bank’s official channels. Itaú Unibanco, for example, reported that it will offer renegotiation to eligible customers across all its channels — app, WhatsApp (11) 4004-1144, website and accredited renegotiation partners.
C6 Bank announced that customers can sign up via the bank’s app or over the phone (3003-6116 for capitals and metropolitan regions, and 0800-660-6116 for other locations).
Fees and installments: The maximum interest rate allowed is 1.99% per month. Payment can be paid in installments over up to 48 months (4 years), with a grace period of up to 35 days until the first installment is due.
Limits: The new consolidated value of the debt (after discounts) must be up to R$15,000 per person, per financial institution. In addition, participating companies must clear the names of people who have debts of up to R$100.
Use of FGTS: The worker will be allowed to use the FGTS (Service Time Guarantee Fund) to reduce the debt. He may use 20% of the balance or up to R$1,000.00 (whichever is greater) to reduce the amount owed, but only after applying the minimum discounts required by the bank.
Counterpart: As an educational measure, workers who join the debt renegotiation will have their CPF blocked in online betting houses for 12 months.
UNROLL FIES
Aspect of the program for higher education students and graduates who face difficulties paying off their student loans.
Debts overdue between 91 and 360 days: For this group, there are two main regularization alternatives:
– Cash payment: full forgiveness of interest and fines, in addition to a 12% discount on the principal amount of the debt
– Installment: total removal of interest and fines, with the principal amount being divided into up to 150 installments
Debts more than 360 days past due:
Students who are not part of the Single Registry (CadÚnico): are entitled to a 77% discount on the total accumulated value (sum of principal, interest and fines) to fully settle the balance
Students at CadÚnico: Discount is even more significant, reaching 99% of the total debt amount for complete payment
UNROLL COMPANIES
It is divided into two main fronts, based on business revenue:
Microenterprises (Procred): Aimed at businesses with annual revenue of up to R$360 thousand
Shortage: The grace period was extended from 12 to 24 months, allowing the entrepreneur more time before starting to pay
Payment term: The maximum term of the operation increased from 72 to 96 months (8 years), which helps to dilute the value of the installments in the company’s cash flow
Limit increase: The total value of credit rose from 30% of revenue (with a ceiling of R$150 thousand) to 50% (180 thousand). For companies managed by women, the credit limit reaches 60% of annual revenue (maintaining the ceiling of R$180,000)
Micro and Small Businesses (Pronampe): Companies with annual revenue of up to R$4.8 million
Grace period and deadline: As with Procred, the grace period was extended to 24 months and the total payment period to 96 months
New credit limit: The total amount of credit available doubled, from R$250,000 to R$500,000
RURAL DEVELOPMENT
It is specifically aimed at family farmers, with a priority focus on those considered low-income.
Reopening of deadlines: There will be a reopening of deadlines so that producers can renegotiate or settle old debts. The new deadline for membership is December 20, 2026. The credit conditions were not detailed.
Scope and beneficiaries: Around 507 thousand producers have already benefited from the program. With the extension of the deadline, the federal government hopes to reach another 800,000 farmers, totaling 1.3 million people benefited
