Replace Your UniversityReviews of replaceyouruniversity.com

The program is very informative and gives much guidance and knowledge on what you can do to pay your mortgage off in less than planned time. I also like having access to a coach. My only complaint is the sign up costs and then a monthly costs to stay connected with your coach. It has taken some time to pay back the money I paid just to get the info, and honestly I think it’s a bit much for just access to the material and then connecting with a coach to come up with a plan to execute. The actual execution is solely on you. After the plan was solidified, I didn’t really have a reason to stay active monthly because the rest of the work is on me, until I get to a certain point.

Actual education of this product is amazing! 5 stars!! I’m so grateful I found it. I am in a HELOC now and I’m so glad that I did it. I still watch the eduction over again and love watching Michael’s context. Feel really grateful overall for this product! That being said, I’ve really had some struggles on the administrative side of things with RYU. The first gentleman I spoke with just to do an introductory call was incredible, and I walked away feeling super excited about the product and ready to move forward. Then I spoke with the sales rep, and after I signed up, it was like pulling teeth to get in touch with him. He had promised me a referral bonus if I referred another person, which I did, but it was almost impossible to get in touch with him about actually getting the referral bonus. I finally had to get in touch with other people to get the bonus, and it took several months. The person who finally did help me was amazing (the gentleman in charge of the referral program). After the first 30 days that you sign up, you’re pretty much doing all of the online education, which is extensive and really great, but you only get to talk to a coach for no extra cost within that first 30 day window. It’s after you finish all the education that you usually have a lot of questions as you’re working through getting into your HELOC, but by that point, you have to start paying a subscription to be able to speak with your coach. That feels salesy to me. I just spent thousands of dollars on this product, but now I have to start paying again if I want to speak to a coach about a few questions? It would be really nice if you could at least have 1 phone call per month with a coach for the first 3 to 4 months as you’re still figuring everything out. And for the record, my coach has been great! Also, with the friend I referred. she’s had a very difficult time getting any kind of clear communication or answers from the rep she was speaking with, and after several months, she’s kind of given up, even though she paid all the money. She has felt very discouraged on the whole process, so I’m trying to walk her through it myself. I’m pretty hesitant to refer again because if that. I truly think that if RYU just gave a little bit more access to your coach without having to pay for a few questions, and some of the communication pieces were cleaned up, it could overall be a pretty amazing experience, because again, the product/content really is awesome! Also, this might not necessarily be on RYU specifically, but I got into the Smart HELOC that they specifically created with a bank in Michigan. The product is incredible, but just FYI, getting information from that rep at the bank has been very challenging. He’s a super nice gentleman, but he is overwhelmed with the amount of work on his plate, presumably from all the people that want to get into this amazing financial vehicle. A good problem to have ?! :-) It’s been almost 3 months now, and I’m still trying to get accurate numbers for potentially opening a second HELOC. So it’s made trying to get a rental property very difficult. I’m considering switching to a different bank. RYU, if you have any sway, can you get the Smart HELOC department some more manpower? Thank you!

This company has 7 Better Business Bureau complaints regarding the company not honoring their refund policy. I've heard their introductory sales presentation, but have not used their service.