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Replace Your University Avis 2

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TrustScore 3.5 sur 5

3,5

Conseiller financier
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À propos de l'entreprise

  1. Conseiller financier

Écrit par l'entreprise

Replace Your University (RYU) teaches real world tactical financial strategies designed to help homeowners improve cash-flow efficiency, reduce long-term interest costs, and gain greater financial control. Our education focuses on practical, math-based approaches to restructuring debt and accelerating payoff timelines through smarter financial structure and disciplined implementation. We equip families with clear frameworks, detailed breakdowns, and personalized support so they can understand how their financial tools actually work — and how to optimize them. By combining education with step-by-step guidance, we help homeowners evaluate their numbers, make informed decisions, and move forward with confidence.

Coordonnées de contact

3,5

Moyen

TrustScore 3.5 sur 5

2 avis

5 étoiles
4 étoiles
3 étoiles
2 étoiles
1 étoile

A répondu à 100 % de ses avis négatifs

Répond généralement dans un délai de plus d'un mois

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Noté 5 sur 5 étoiles

They are knowledgable

They are knowledgable. Their training is easy to understand, but they also walked me through how to do it personally with a coach. I'm a current member and love doing our finances through a 1st Lien HELOC!

1 mars 2026
Avis spontané
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Réponse : Replace Your University

Appreciate you sharing this — glad to hear the training and coaching made a difference for you.

That’s exactly our goal with Replace Your Mortgage: not just teaching the concept, but walking people through how to actually apply it to their own numbers so it’s clear and practical.

And you hit on something important — the structure matters. A properly set up first-lien HELOC, combined with consistent cash flow discipline, is what makes the math work.

Thanks again for being part of the community and trusting the process.

— Michael, Replace Your University

Noté 1 sur 5 étoiles

Paid $6,997 in October 2025 for the…

Paid $6,997 in October 2025 for the Replace Your Mortgage course.
The entire strategy depends on securing a first-lien HELOC. My mortgage is locked at 3.12% fixed. After completing the course and running the numbers (including their suggested 12–15% PLOC alternatives), the program would have cost me substantially more in interest, not less. It is simply unsuitable for anyone with a low-rate mortgage.
I was denied by three separate banks (taxes)
Their money-back guarantee clearly states a refund (less a $300 admin fee) if you cannot obtain the required financing after following their process.
I submitted a complete refund request with all required denial letters and documentation on October 28, 2025, 20 days ago.
I have followed up multiple times and received zero response of any kind, despite their written policy claiming refunds are processed in 3–5 business days.
I was forced to file a BBB complaint today just to get any acknowledgment. The complete radio silence after taking $7,000 is unacceptable and, in my opinion, deceptive.
If your rate is already low or your financial/tax situation is anything but textbook, do not spend the money. The course is polished, but the “guarantee” and post-sale support are nonexistent.
Still waiting for my $6,697 refund three weeks later.
Update: Finally recieved a phone call and apologie with a refund for the $6,697.00

16 novembre 2025
Avis spontané
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Réponse : Replace Your University

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

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