# MSG-214 — No student-loan programme content

> Campaign content must not promote student-loan refinancing, consolidation or forgiveness programmes.

- **Rule ID:** MSG-214
- **Layer:** Message content (`MESSAGE_CONTENT`)
- **Checks:** `campaign.description + campaign.sample[] + campaign.message_flow`
- **Severity:** BLOCKING — Breaking this rule gets the submission rejected outright.
- **When it bites:** Gates approval — get this wrong and registration is refused
- **How it is detected:** AI judgement over the submitted form
- **Fix type:** Hard stop — not remediable, resubmission will not help
- **Required by:** Twilio, AT&T, AWS
- **Applies:** Applies to every 10DLC registration.
- **Canonical URL:** https://ekas.io/rules/10dlc/message-content/msg-214/

## Why this rule exists

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.

## How to fix it

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.

## Provider rejection codes

| Provider | Code | Resubmission allowed |
| --- | --- | --- |
| Twilio (gen2) | `30942` | no |