{
  "id": "MSG-214",
  "slug": "msg-214",
  "title": "No student-loan programme content",
  "statement": "Campaign content must not promote student-loan refinancing, consolidation or forgiveness programmes.",
  "rationale": "Student-loan messaging is refused as a category because the fraud around it is industrial: forgiveness and consolidation offers by text are the delivery mechanism for advance-fee scams that charge borrowers for a free federal process. Carriers cannot tell a legitimate refinancer from that by reading a message, so they refuse the category and let the servicers who have a genuine relationship register on it. The line that decides your campaign is whether you service the loan you are texting about.",
  "layer": "MESSAGE_CONTENT",
  "layerSlug": "message-content",
  "object": "campaign.description + campaign.sample[] + campaign.message_flow",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "Twilio",
    "AT&T",
    "AWS"
  ],
  "codes": [
    {
      "provider": "Twilio",
      "code": "30942",
      "remediable": false,
      "generation": "gen2"
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "Remove the acquisition offer. If you service the loans yourself, say so in the description in those words — who originated the loan, who services it, and that every recipient is an existing borrower — and keep the samples to account events rather than offers. Done when no message would make sense to somebody who is not already your customer.",
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/message-content/msg-214/",
  "markdown": "https://ekas.io/rules/10dlc/message-content/msg-214.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}