SMS Terms & Conditions

You agree to receive recurring marketing, promotional and transactional personalized text (e.g., SMS and MMS) messages (e.g. scholarship reminders, financial aid options, loans, FAFSA help, etc..) from or on behalf of Nitro College, Sallie Mae, and/or their affiliates, subsidiaries, and parent companies (collectively “Nitro College”), including text messages that may be sent using an automatic telephone dialing system, to the mobile telephone number you provided when registering for a scholarship or signing up or any other number that you designate. Consent to receive automated marketing text messages is not a condition of any purchase of any products or services from or through Nitro College. Msg & Data rates may apply. Msg & Data rates may apply.

Message frequency will vary. Nitro College reserves the right to alter the frequency of messages sent at any time, so as to increase or decrease the total number of sent messages. Nitro College also reserves the right to change the shortcode or phone number from which messages are sent and we will notify you when we do so. 

Not all mobile devices or handsets may be supported and our messages may not be deliverable in all areas. Nitro College, its service providers and the mobile carriers supported by the program are not liable for delayed or undelivered messages.

You also agree to our Nitro College Privacy Policy.

Electronic Consent

You consent to receive the text message consent on the webpage with the check box (the “Text Consent”) electronically.  This consent only applies to the electronic delivery of the Text Consent. You understand that you need a device with internet access and a recent-generation internet browser to view the Text Consent and a printer or storage device to save it. You may withdraw your permission to receive the Text Consent electronically by unchecking the check box, but doing so will mean that you will not receive the automated text messages described in the Text Consent. You may update your contact information with Nitro at Update My Profile and you may update your contact information with Sallie Mae by logging into your Sallie Mae account. The Text Consent is not available in a nonelectronic form.


Text the keyword STOP to any shortcode or phone number to cancel texts through that short code or number. After texting STOP, you will receive one additional message confirming that your request has been processed as to that shortcode or number. You acknowledge that our text message platform may not recognize and respond to unsubscribe requests that do not include the STOP keyword command and agree that Sallie Mae, Nitro College and their service providers will have no liability for failing to honor such requests. If you unsubscribe from one of our text message programs (or through a particular number or short code), you may continue to receive text messages from Nitro College and/or Sallie Mae through any other programs (or through a particular number or short code) you have joined until you separately unsubscribe from those programs (or through a particular number or short code).


Text the keyword HELP to our shortcode to return customer care contact information.

Customer Care

If you are experiencing any problems, please visit and submit the form with details about your problem or your request for support, or email


This message program is a service of Nitro College, located at 300 Continental Drive, Newark, DE 19713.

Dispute Resolution

1. General. In the interest of resolving disputes between you and Nitro College, Sallie Mae, and their affiliates, subsidiaries, and parent companies (collectively “Nitro College”) in the most expedient and cost effective manner, you and Nitro College agree that any dispute arising out of or in any way related to these messaging terms and conditions ("Messaging Terms") or your receipt of text messages from Nitro College or its service providers will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or in any way related to these Messaging Terms, or your receipt of text messages from Nitro College or its service providers whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of when a claim arises. YOU UNDERSTAND AND AGREE THAT, BY AGREEING TO THESE MESSAGING TERMS, YOU AND Nitro College ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION AND THAT THESE MESSAGING TERMS SHALL BE SUBJECT TO AND GOVERNED BY THE FEDERAL ARBITRATION ACT.

2. Exceptions. Notwithstanding subsection (a) above, nothing in these Messaging Terms will be deemed to waive, preclude, or otherwise limit the right of you or Nitro College to: (i) bring an individual action in small claims court; (ii) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (iii) seek injunctive relief in aid of arbitration from a court of competent jurisdiction; or (iv) file suit in a court of law to address an intellectual property infringement claim.

3. Arbitrator. Any arbitration between you and Nitro College will be governed by the Federal Arbitration Act and the Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by these Messaging Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at, by calling the AAA at 1-800-778-7879, or by contacting Nitro College. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

4. 30 Day Notice Required. If you or Nitro College intends to seek arbitration, then the party seeking arbitration must first send a written notice of the dispute to the other party by U.S. Mail ("Notice"). Nitro College address for Notice is: 300 Continental Drive, Newark, DE 19713, Attn: Legal Department. The Notice must: (i) describe the nature and basis of the claim or dispute; and (ii) set forth the specific relief sought ("Demand"). You and Nitro College will make good faith efforts to resolve the claim directly, but if you and Nitro College do not reach an agreement to do so within 30 days after the Notice is received, you or Nitro College may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Nitro College must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. (e) Fees. If you commence arbitration in accordance with these Messaging Terms, Nitro College will reimburse you for your payment of the filing fee, unless your claim is for more than $15,000 or as set forth below, in which case the payment of any fees will be decided by the AAA Rules. If the claim is for $15,000 or less, you may choose whether the arbitration will be conducted: (i) solely on the basis of documents submitted to the arbitrator; (ii) through a non-appearance based telephone hearing; or (iii) by an in-person hearing as established by the AAA Rules. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Nitro College for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. You and Nitro College agree that such written decision, and information exchanged during arbitration, will be kept confidential except to the extent necessary to enforce or permit limited judicial review of the award. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from you or Nitro College made within 14 days of the arbitrator's ruling on the merits.

5. No Class Actions. YOU AND Nitro College AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Nitro College agree otherwise in a signed writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

6. Modifications to this Arbitration Provision. Notwithstanding anything to the contrary in these Messaging Terms, if Nitro College makes any future change to this arbitration provision, other than a change to Nitro College address for Notice, you may reject the change by sending us written notice within 30 days of the change to Nitro College address for Notice, in which case this arbitration provision, as in effect immediately prior to the changes you rejected, will continue to govern any disputes between you and Nitro College.

7. Enforceability. If an arbitrator decides that applicable law precludes enforcement of any of the limitations of subsection (f) above (addressing class, representative and consolidated proceedings) as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and brought in court. If any other provision of these Messaging Terms is found to be unenforceable, the applicable provision shall be deemed stricken and the remainder of these Messaging Terms shall remain in full force and effect.