Brazil Launches Novo Desenrola Brasil Program to Ease Financial Burdens and Improve Credit Access
Brazil's new Novo Desenrola Brasil program launched by President Lula aims to ease debts and improve credit for families, students, small businesses, and rural producers.
- • President Lula launched Novo Desenrola Brasil on May 4, 2026, through MP nº 1.355/2026.
- • The program offers up to 99% discounts on overdue student debts via Desenrola Fies.
- • Desenrola Famílias targets individuals earning up to five minimum wages for renegotiating debts with discounts from 30% to 90%.
- • Desenrola Empresas and Desenrola Rural provide improved credit access to micro and small businesses and family farmers respectively.
Key details
On May 4, 2026, President Luiz Inácio Lula da Silva signed the provisional measure MP nº 1.355/2026, launching the Novo Desenrola Brasil program, aimed at reorganizing finances for millions of Brazilians and enhancing access to credit under improved conditions. This sweeping initiative spans 90 days and targets several key groups including families, students, small businesses, and rural producers.
A major feature is Desenrola Fies, which renegotiates overdue student debts from the Fundo de Financiamento Estudantil (Fies), offering discounts of up to 99%. This component is expected to benefit over one million students by allowing debt clearance through favorable repayment terms. The program also offers the Desenrola Famílias initiative, designed for individuals earning up to five minimum wages, permitting debt renegotiation for debts contracted until January 31, 2026. Discounts range between 30% and 90% with a capped monthly interest rate of 1.99%. Additional safeguards include measures to block beneficiaries from online gambling while debts are renegotiated.
For the business sector, Desenrola Empresas focuses on improving credit conditions for over two million micro and small enterprises. Meanwhile, Desenrola Rural assists family farmers in regularizing their debts.
President Lula highlighted the program’s objective: to relieve financial distress and restore dignity to those burdened by debt. By covering multiple economic sectors through tailored solutions, Novo Desenrola Brasil represents a comprehensive government effort to foster financial stability and credit accessibility across Brazil.
This article was translated and synthesized from Brazilian sources, providing English-speaking readers with local perspectives.
