Debt Renegotiation This is a crucial topic for many Brazilians, especially during times of financial crisis.

The Novo Desenrola Brasil program emerges as a promising solution, allowing for the renegotiation of debts for individuals with an income of up to five minimum wages.

With the goal of reducing default rates, the program offers advantageous conditions, such as significant discounts and limited interest rates, benefiting approximately 20 million people.

In this article, we will explore the details of the new Desenrola Brasil program, its rules, eligible debts, and how it can positively impact the financial lives of indebted Brazilians.

Program Overview and Objectives

O New Unravel Brazil It was created with the purpose of alleviating the burden of debt and restoring financial breathing room to Brazilian families with a monthly income of up to five minimum wages.

By facilitating the renegotiation of overdue debts, the program creates fairer payment conditions, reduces interest rate pressure, and expands access to formal credit, thus strengthening the... financial inclusion and helps to curb the rise in defaults.

• Reduce delinquency. through discounts that can reach up to 90% and extended payment terms.
• Expand the renegotiation of debts related to credit cards, overdrafts, personal loans, and student loans.
• To offer more balanced conditions, with limited interest rates and the possibility of using FGTS (Brazilian employee severance fund) for part of the balance.
• To reintegrate consumers into the credit market, promoting planning, responsible consumption, and financial stability.

Focusing on old debts and limited amounts per person, the initiative seeks to reorganize the financial lives of millions of Brazilians and transform renegotiation into a concrete gateway to economic recovery.

Participation Criteria

People with a monthly income of up to [amount] can join the Novo Desenrola Brasil program. five minimum wagesprovided they have eligible debts within the program's rules.

Furthermore, the renegotiation covers old debts from credit cards, overdrafts, personal loans, and student loans, focusing on those who are in default and need longer terms to reorganize their budget.

Debt Limit	Cut-off Date	Lag time	Other Conditions
BRL 15 thousand per person	January 31, 2026	from 90 days to 2 years	Income up to five minimum wages, outstanding debt, and meeting the eligibility criteria accepted by the program.

In practice, this means that the government prioritizes expired contracts within that timeframe, avoiding including very recent or excessively old debts.

It's also worth noting that discounts can reach... 90 % and the payment can be split into up to 48 monthsThis increases the chances of enrollment for those who need financial relief.

In parallel, the use of FGTS (Brazilian employee severance fund) can reinforce the partial settlement of the balance, provided that the established ceiling is respected.

Source: Ministry of Finance and rules released for the New Desenrola Brasil program.

Scope of Debts

The Novo Desenrola Brasil program covers different types of debts that can be renegotiated by individuals with a monthly income of up to five minimum wages.

Eligible debts include credit card debt, overdrafts, personal loans, and student loans.

Each of these debt types falls under the program's rules, which allow for significant discounts and installment options, thus contributing to a reduction in default rates among beneficiaries.

Credit card

Credit card: Due to its high and revolving interest rates, it is one of the main focuses of the New Desenrola Brasil program, which seeks to alleviate the burden of the most expensive and difficult-to-pay debts.

Therefore, anyone with credit card debt will be able to renegotiate overdue amounts from 90 days to two years, provided the debt was incurred by January 31, 2026, and does not exceed R$ 15 per person.

In addition, the program offers discounts of 30% to 90%, interest rates capped at 1,99% per month, and payment plans of up to four years.

It will also be possible to use FGTS (Brazilian employee severance fund) to pay off part of the balance, provided that the conditions are met.

Special Check

Special Check: It is a type of revolving credit that covers negative balances in a checking account, but it usually has high interest rates.

In the Novo Desenrola Brasil program, this debt is included in the renegotiation with discounts ranging from 30% to 90%, interest rates capped at 1,99% per month, and payment plans of up to four years.

Furthermore, the eligible amount may include debts of up to R$ 15 per person, provided they are overdue between 90 days and two years.

Thus, the program facilitates getting out of revolving credit and reduces the financial pressure on those with an income of up to five minimum wages.

Personal credit

Personal credit: No. New Unravel BrazilThis debt can be renegotiated as long as it was contracted by January 31, 2026, is between 90 days and two years in arrears, and respects the limit of up to R$ 15 per person.

In addition, the program serves those with a monthly income of up to five minimum wages, offering discounts of 30% to 90%, interest rates capped at 1,99% per month, and payment plans of up to four years.

Thus, consumers can reorganize their budget, pay off more expensive debts, and regain access to credit under more favorable conditions.

Student Financing

Student Financing: o Fies gains new relief with the New Unravel Brazil, which offers renegotiation for overdue contracts, with discounts that can reach up to 99 % and lighter installments.

Furthermore, students can settle old debts, reduce interest rates, and avoid credit restrictions.

To join, you need to verify your eligibility at Unroll Fies and follow the program rules.

Thus, indebted young people regain control of their finances, preserve access to higher education, and find a real alternative to return to their studies and plan for the future with more security.

Financial Benefits Offered

The new "Desenrola Brasil" program expands payment capacity by combining significant cuts in outstanding balances, limiting charges, and extending repayment terms, thus reducing immediate pressure on family budgets and preventing debt from growing rapidly.

In practice, this makes negotiation easier because the final amount decreases, the monthly payment becomes more predictable, and the debtor can organize their finances without compromising their entire income.

In addition, the program allows you to use features of FGTS to reduce part of the debt, which further lowers the amount to be paid and speeds up financial regularization.

In this way, relief is achieved on three fronts simultaneously, with discounts, lower credit costs, and a longer timeframe to settle the agreement, making renegotiation much more accessible for those in default.

• Discounts of 30% a 90%, significantly reducing the total debt.
• Interest rates limited to 1,99% per month, preventing the balance from growing rapidly
• Installments up to four yearswhich helps to distribute the payment more evenly.
• Use of FGTS to pay off part of the debts and reduce the final amount of the renegotiation.

Impact of Debt and Beneficiary Public

Brazilian household debt has reached a critical level because 49,9 % of the annual income is already committed and 29,7 % Monthly income remains strained by overdue bills and outstanding installments, which reduces consumption, weakens the household budget, and increases financial vulnerability.

In this scenario, the New Unravel Brazil It emerges as a direct response to reorganize debts and restore payment capacity to those who need it most, especially since it can reach approximately... 20 million of people.

Furthermore, the measure gains relevance. where the family budget can no longer support informal renegotiationBecause it offers significant discounts, extended payment terms, and clearer limits to curb rising interest rates.

Thus, the program acts not only in providing individual relief, but also in the recovery of economic activity, since less pressured families tend to resume consumption, take out loans with more confidence, and gradually regain financial balance.

Restrictions for Beneficiaries

Beneficiaries of the Novo Desenrola Brasil program should avoid any behavior that compromises financial recovery, especially new debt and impulsive spending.

The main restriction is clear: by joining the program, the CPF (Brazilian taxpayer ID) is prevented from accessing online betting platforms because... one year, a measure that seeks to reduce the risk of relapse into debt and protect newly organized income.

This requirement reinforces financial discipline because it directs the budget toward essential expenses, negotiated installments, and an emergency fund, instead of gambles that could increase losses and delay debt repayment.

Furthermore, the rule serves as an incentive for the participant to review their consumption habits, control impulses, and maintain focus on the agreement made.

Thus, the program not only renegotiates debts, but also encourages a more stable and responsible behavioral shift.

In shortThe new Desenrola Brasil program represents an opportunity for millions of Brazilians to renegotiate their debts and recover their financial health.

With its affordable conditions, the program can be a light at the end of the tunnel for those facing financial difficulties.