Used to be that you had to take the written exam at a coast guard testing center where tests were assembled from a data base of potential test questions. One had to be well prepared to pass. You can still test in this manner for a nominal fee. Many individuals now sign up for local course that meets at night and weekends for a couple of weeks and then takes a test prepared by the school (that is recognized by USCG) and is administered by the school. I am sure that it is intense with quite a bit of study; however, I suspect that they probably “teach the test” with the high success rates that they advertise. Online & self study schools sort of do the same with regards to testing. After one completes the self study course, the school mails their USCG approved test to a local library or test center, where you take their test. Again, they advertise a high pass rate. The pass rates are not so high when testing independently at the coast guard test centers. Years ago, I considered getting a 6 pack license for the heck of it, with no commercial or teaching aspirations; however, after 9/11, it has become a bit expensive having to get finger printed, obtain “TWIC” ids, medical exams, and having to incur more expenses upon expiration/renewal.