Replace Your UniversityReviews of replaceyouruniversity.com

Response from Replace Your UniversityJun 4, 2026

Thank you for the kind words. This is exactly why we do what we do. Most families don't need more financial products - they need better financial education. I'm grateful we've been able to help your family, and I appreciate every referral you send our way. Thank you for trusting us. – Michael Lush

Response from Replace Your UniversityApr 29, 2026

We respect the 'trust but verify approach. What you said about not being left alone is a big deal. The Replace Your Mortgage strategy is simple in concept, but implementation is where most people need guidance. That’s where our team steps in, so you’re not guessing or trying to piece it together on your own. You have support, coaching, and guidance. And you nailed the core idea: most people don’t realize they’re set up to pay for their home twice times (one first for the bank, then the second for you). Once you see that clearly, it changes how you think about your home. Appreciate you taking the time to share this and for doing your due diligence the right way. To your success! - Replace Your University

Response from Replace Your UniversityApr 28, 2026

Hey Wes, we appreciate this, seriously. And you’re exactly right… at the end of the day, the Replace Your Mortgage strategy works when you work it. The HELOC strategy gives you the tool and the math, but it’s your consistency that brings it to life. That’s why we focus so much on support, community, and guidance along the way. It’s not just about showing you a different way to pay off your home, it’s about helping you actually follow through and see the result. You’ve got the right mindset. Stay consistent with it, and you’ll be surprised how fast things start to move. - The team at Replace Your University

Response from Replace Your UniversityMay 4, 2026

We really appreciate you taking the time to write this out. There's a lot here, and it's helpful. First off, I'm glad you said what you did about the education and coaching. That's the foundation of everything we do at Replace Your Mortgage. Now, on the other side of your feedback… You're not wrong on some of the friction you experienced. Communication gaps, delays on the referral bonus, and feeling like support got harder to access after the first phase, that's not the experience we aim to deliver. On your friend's experience, that one matters. We can have the best strategy in the world, but if communication breaks down, it kills trust. It looks like she scheduled an onboarding meeting with us, and we texted her, but we never heard back from her. If she's still open to it, have her reach out to support to her coach or support team, we'll make sure she gets taken care of. On the referral benefit specifically, there was a period where we were rebuilding that system internally, and it created delays and confusion for some clients in getting started with that benefit. That's on us. I'm glad you eventually got taken care of, but it shouldn't have been that hard to begin with. That updated system is now up and running smoothly. On coaching, we want to bring some clarity. Every client gets structured support upfront (onboarding strategy, bank guidance, etc.) before securing their line of credit, because that's where most of the heavy lifting happens. After those initial meetings as part of the program, ongoing 1-on-1 coaching access remains available only as part of the monthly coaching membership. (Pro tip - you can turn it on / off as you need it. Don't tell anyone we said that.) The cost is purely to support the cost of continued, on-demand access to coaches. That said, your point is fair. And lastly, on the Smart HELOC bank side, you're exactly right. It's a great product, and demand has been high, which has stretched some of those teams thin. We don't control their internal operations, but we are in communication with them and consistently passing along feedback like this. Bottom line, you're doing the right things. You're in the strategy, you're implementing, and you're thinking critically along the way. Appreciate the honest feedback. That's how we get better. Cheers to your success! - Replace Your University Team

Response from Replace Your UniversityApr 23, 2026

That’s awesome to hear—thank you for sharing this. Willie is a great example of how we believe this should be done. The Replace Your Mortgage strategy isn’t just about learning a strategy… it’s about actually understanding it, being able to ask questions, and having someone walk with you through it until it truly clicks. The fact that you felt comfortable asking the same questions more than once tells me he did his job the right way. Most people have never been shown how their mortgage really works, so questions are expected—and honestly, they’re encouraged. Appreciate you trusting us and being willing to share your experience. That means a lot. If anything comes up as you continue implementing, don’t hesitate to reach out—we’re here to help you see it all the way through. - The Team at Replace Your Mortgage

Response from Replace Your UniversityMar 17, 2026

Hi — I understand how this situation could feel frustrating, and I want to clarify a few key points for context. During the strategy review, it was determined that the clients’ situation did not support an immediate first-position HELOC replacing their mortgage. This does not constitute a change in the program or a “bait and switch,” but rather the application of the education to their specific financial circumstances, which is the intended and disclosed process. Refund eligibility is outlined in the Client Expectation Agreement and requires participation in the education and strategy evaluation process. Once the program has been accessed and services like analysis and coaching have been delivered, a full refund is not applicable. In this case, the program was delivered as outlined, including educational access and personalized analysis. While a full refund was not warranted under the agreement, we acknowledged there may have been a gap in expectations and offered a $1,500 partial refund as a goodwill gesture. That offer remains available. We respectfully disagree with the claim that nothing was received. The education, strategy, and support were provided as agreed, and the outcome here reflects individual financial factors and lender constraints — not a change in the program itself. Michael – Replace Your University

Response from Replace Your UniversityMar 17, 2026

Hi there — we appreciate you taking the time to look into the company and share your concern. For clarity, Replace Your University does have both a Client Expectation Agreement and a defined refund policy in place. Refund eligibility is based on that agreement and requires clients to follow the outlined process — including participating in the education and completing the strategy evaluation. Because this is an education-based program, once services have been delivered and the program has been accessed, a full refund is not available. That said, every situation is reviewed individually to ensure it’s handled in alignment with what was agreed to upfront. We understand how complaints can raise questions, and we always encourage people to look at the full picture — including how the program works, what’s required, and the many clients who have successfully gone through the process. If anyone has questions before getting started, our team is happy to walk through expectations in detail so there are no surprises. — Michael, Replace Your University

Response from Replace Your UniversityMar 2, 2026

Hi Scott, Thank you for sharing your feedback. We understand your frustration and appreciate the opportunity to clarify the timeline for future readers. After receiving your refund request, our team followed our standard review process, which includes confirming lender feedback and reviewing all viable options for success. In this case, the primary reason for the bank denials involved aspects of your financial profile that required additional verification with our lending partners. These factors were not disclosed prior to enrollment; had they been, we would not have qualified you to join the RYM program. On November 12, 2025, our Sales Manager reached out to review alternative options. While those paths were presented, we fully respect your decision not to pursue them. Your refund was approved and processed on November 18, 2025, in the amount of $6,697, in accordance with our published refund policy (less the $300 administrative fee). This occurred prior to this review being posted. While refunds are typically processed within a standard window, some reviews take additional time when lender denials must be validated. Our goal is always to ensure every reasonable option has been explored before finalizing a refund. We appreciate your acknowledgment of the course content and wish you the best moving forward. — Replace Your University Team