Replace Your University Reviews 

Antwoord van Replace Your University

24 jun 2026

Thank you for sharing your experience.

One thing we tell people all the time is that Replace Your Mortgage isn't a magic trick - it requires understanding the strategy and being intentional with your money. But when families do that, the results can be life-changing.

I love that you mentioned the peace of mind. For me, that's what this is really about. Not just paying off a house faster, but creating more control, more flexibility, and more options for your family when life happens.

Thank you for trusting us to be part of your journey, and congratulations to you and your husband on taking steps toward a stronger financial future.

– Replace Your University team

Antwoord van Replace Your University

24 jun 2026

Thank you for the kind words.

One thing we've always believed is that every family's situation is different, which is why a one-size-fits-all answer rarely works. I'm glad our team was able to provide the personalized guidance you needed and help you move forward with confidence.

We appreciate your trust in Replace Your Mortgage and thank you for recommending us to others. Wishing you continued success on your journey to financial freedom.

– Michael Lush

Antwoord van Replace Your University

24 jun 2026

Thank you for your service, and thank you for taking the time to leave this review.

Coming from someone who spent a career in the military and now flies for a major airline, that means a lot.

What I'm most proud of isn't the strategy itself - it's the people. We work hard to build a team that genuinely cares about helping families win financially, and I'm glad Chris and the rest of the Replace Your Mortgage team have been there for you along the way.

Thank you for trusting us, being part of the family, and sharing your experience with others.

– Michael Lush

Antwoord van Replace Your University

24 jun 2026

Thank you for the review!

One of the biggest lessons I learned during my years in the mortgage industry is that most people were never taught how to make their money work efficiently. They're told where to put their money, but rarely taught how money actually moves.

Education is the foundation of everything we do at Replace Your Mortgage. When people understand cash flow, liquidity, and how interest really works, they can start making decisions that put them in a stronger financial position long term.

I'm glad the education has made an impact for you, and I appreciate you being part of our community.

– Michael Lush

Antwoord van Replace Your University

24 jun 2026

That’s awesome to hear.

Paying off a car 2.5 years early is exactly the kind of momentum we love seeing. Once you understand how to make your money work differently, it starts changing how you look at every debt — not just the house.

We're glad Glenn has been helping guide you through it and keeping everything on target.

Keep going. You’re doing the work, and it’s paying off.

– Replace Your University team

Antwoord van Replace Your University

24 jun 2026

I laughed when I read this because I've heard some version of it hundreds of times over the years.

The truth is, most people aren't struggling because they're bad with money. They're struggling because they've never been taught how mortgages, banking, and interest actually work.

I remember feeling the same way when I first discovered this information after spending years in the mortgage industry myself. Equal parts angry, shocked, and excited.

I'm glad the education has been eye-opening for you, and even more importantly, empowering. Thank you for trusting us to be part of your journey.

– Michael Lush - Replace Your University

Antwoord van Replace Your University

4 jun 2026

Thanks for for the review!

One of the things we tell people all the time is that math doesn't care about opinions. When you understand how mortgage interest is actually calculated and learn how to direct more of your money toward principal instead of interest (while keeping access to your cash), the numbers can become very compelling.

That's what the Replace Your Mortgage strategy is all about - helping families use a properly structured HELOC strategy and improved cash flow management to potentially reduce years off their mortgage and save significant amounts of interest along the way.

We're glad you found value in the strategy and education, and appreciate you taking the time to share your experience.

– Replace Your University team

Antwoord van Replace Your University

4 jun 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

Antwoord van Replace Your University

29 apr 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

Antwoord van Replace Your University

28 apr 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

Antwoord van Replace Your University

4 mei 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

Antwoord van Replace Your University

23 apr 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

Antwoord van Replace Your University

17 mrt 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

Antwoord van Replace Your University

17 mrt 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

Antwoord van Replace Your University

2 mrt 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

Antwoord van Replace Your University

17 mrt 2026

Hi there — I appreciate you taking the time to think this through and run your own numbers. That’s exactly what people should be doing.

A couple of important clarifications, because there are some misunderstandings about what we actually teach at Replace Your Mortgage.

First, you do not need to own a home free and clear to use a HELOC. Many banks offer what’s called a first-lien HELOC, which is used to purchase a home — similar to a mortgage, just structured differently.

Second, your calculation assumes the payment stays the same and the balance declines slowly over time. That’s how a traditional amortized mortgage works. What we teach is different.

The strategy is not about magically paying off a loan with less money — the math still has to work. It’s about changing how cash flow interacts with the loan balance, so principal is reduced faster, which in turn reduces how much interest accrues. When income is consistently flowing against the balance, the timeline can compress significantly — but it depends entirely on the individual’s cash flow, discipline, and structure.

That’s why we’re very clear: this is not a fit for everyone, and results are not guaranteed. But for households that have margin between income and expenses, the difference in how interest is calculated can be substantial.

Skepticism is healthy. We just encourage people to look at the full structure and math, not a simplified version of a fixed monthly payment over time. We also have a calculator on our website you can use.

— Michael, Replace Your University

Antwoord van Replace Your University

17 mrt 2026

Hi there — we take feedback like this seriously, but we also want to be clear: Replace Your University is a legitimate education company, and we stand behind the support we provide to our clients.

If you had a specific issue or experience, we’d genuinely like the opportunity to look into it and make it right. General statements like this don’t give us much to work with.

You’re welcome to reach out to our team directly so we can assist you:

Email: support@replaceyouruniversity.com

Phone: (629) 258-6989

You can also visit our website for more information on what we teach and how the strategy works.

— Michael, Replace Your University