Nokia 3 w/Android 9 & ATT, lost ability to send SMS text!

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Android Central Question

This worked fine until my nephew was using my phone and obviously changed something but I can't figure out what. MMS is fine, and I can still get online and even receive SMS texts. All is good except actually sending SMS.
I already reset everything; I did factory, wifi/network & apps. I'm using the default Google messages app that came on the phone but I did download Textra and had the same problem.